Personal Banking Services
Offering Choice Advantage M&S Checking Value Unlimited Checking 
Up to 20 debits per statement cycle at no charge Checks Free Customized Checks Discounted Regal Checks Free Online Banking Free Online BillPay Free for 90 days Free for 90 days Free for 90 days Visa Debit Card Free ATM Use at any M&S Bank ATM Image Statement Check Safekeeping Unlimited Teller Transactions Other Information At no charge you receive
- Overdraft Protection Option
- Notary Services
- Combined Monthly Statement
- Travelers Cheques
- Official Checks
- Discount on Consumer Loans
- Annual Fee Waived for Personal Lines of Credit
- 50% discount on Safe Deposit Box
Overdraft Protection Option setup at no charge Overdraft Protection Option setup at no charge Required Opening Deposit $500 $100 $100 $100 Minimum Balance $2,000 in Choice Account, or $5,000 in Personal Savings, Money Market, CD or IRA None $600 minimum daily balance None Fees $20 monthly balance requirement fee $10.50 monthly maintenance fee $12 monthly maintenance fee, plus $0.25 per debit charge
$6.50 monthly maintenance fee, plus $0.35 per debit after 20 Interest Non-Interest Bearing Non-Interest Bearing Non-Interest Bearing Non-Interest Bearing Offering Choice 50 Value 50 Student Value Unlimited Checking Up to 20 debits per statement cycle at no charge Checks Free Customized Checks Free Online Banking Free Online BillPay Free for 90 days Free for 90 days Visa Debit Card Free ATM Use at any M&S Bank ATM Image Statement Check Safekeeping Check Safekeeping Unlimited Teller Transactions Other Information At no charge you receive - Overdraft Protection Option
- Notary Services
- Combined Monthly Statement
- Travelers Cheques
- Official Checks
- Discount on Consumer Loans
- Annual Fee Waived for Personal Lines of Credit
- 50% discount on Safe Deposit Box
- Premium CD Rates
Must be at least 50 years of age Must be 18-24 years of age Required Opening Deposit $500 $100 $100 Minimum Balance $2,000 in Choice Account, or $5,000 in Personal Savings, Money Market, CD or IRA None None Fees $20 monthly balance requirement fee $3.95 monthly maintenance fee, fee waived with monthly direct deposit $5.50 monthly maintenance fee, plus $0.35 per debit after 20 Interest Non-Interest Bearing Non-Interest Bearing Non-Interest Bearing Offering NOW Account Savings Minor Savings Money Market Free Online Banking Free Online BillPay Free for 90 days N/A N/A Free for 90 days Image Statement Other Information Limited transaction account, see disclosure below or in our brochure available at any location. Required Opening Deposit $1,000 $100 $25 $2,500 Minimum Balance $1,000 minimum daily balance $300 minimum daily balance $750 minimum daily balance $2,500 minimum daily balance Fees $12.50 monthly balance requirement fee, plus $0.25 per debit $3 per withdrawal after 4 debits per quarter if minimum daily balance falls below $750 plus a $9 quarterly balance requirement if minimum daily balance falls below $300 $3 per withdrawal after 4 debits per quarter, if minimum daily balance drops below $750 $14 monthly balance requirement fee Interest Interest Bearing Interest Bearing Interest Bearing Interest Bearing
Money Market and Savings Transaction Disclosure: Transactions are limited to six debits per month and include pre authorized individual or automatic transfers, tranfers by telphone instruction, by paper or electronic checks to third party, and by debit card or similar order including point-of-sale transactions. The charge for exceeding this limit is $5.00 per item. Withdrawals and transfers you make in person at M&S Bank, by mailed instruction, by online banking between a depositors own accounts, and by ATM are unlimited.
