Personal Banking Services

  • Offering Choice Advantage M&S Checking
    Value
    Unlimited Checking check check check Up to 20 debits per statement cycle at no charge
    Checks Free Customized Checks Discounted Regal Checks    
    Free Online Banking check check check check
    Free Online BillPay check Free for 90 days Free for 90 days Free for 90 days
    Visa Debit Card check check check check
    Free ATM Use at any M&S Bank ATM check check check check
    Image Statement check check check Check Safekeeping
    Unlimited Teller Transactions check check check  
    Other Information

    At no charge you receive

    • Overdraft Protection Option
    • Notary Services
    • Combined Monthly Statement
    • 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 Senior Value
    Student Value
    Unlimited Checking check Up to 20 debits per statement cycle at no charge
    Checks    
    Free Online Banking check check
    Free Online BillPay Free for 90 days Free for 90 days
    Visa Debit Card check check
    Free ATM Use at any M&S Bank ATM check check
    Image Statement Check Safekeeping Check Safekeeping
    Unlimited Teller Transactions    
    Other Information Must be at least 62 years of age Must be 18-24 years of age
    Required Opening Deposit $100 $100
    Minimum Balance None None
    Fees $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 
  • Offering NOW Account Savings Minor Savings Money Market
    Free Online Banking check check check check
    Free Online BillPay Free for 90 days N/A N/A Free for 90 days
    Image Statement check     check
    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.

Upcoming Events

Sat Aug 30, 2014
Labor Day (Closed)

Mon Sep 01, 2014
Labor Day (Closed)

Mon Oct 13, 2014
Columbus Day (Closed)

Contact Info

Telephone: (352) 264-7100

To Report Lost or Stolen Card: (800) 528-2273

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