Deposit Products
Personal Checking
Daily money management designed to meet your needs is the goal of Bank of McCreary County's checking account options. Please review our service offerings and discuss with our Customer Service Representative your checking account needs so that we may serve you properly, and provide appropriate disclosure information.
Regular Checking
- No monthly maintenance fee
- No minimum balance requirements
- Image Statements
- MasterMoney Debit Card, upon approval
- Unlimited checking privileges
- 24-Hour ATM access
- 24-Hour Telephone Banking
- FREE Online Banking w/ FinanceWorks
- FREE Online Bill Pay
eChecking
Go Green with eChecking! All the benefits of our Regular Checking account plus:
-
Get reimbursed for up to $10.00/month in ATM surcharges*
All eChecking accounts must sign up for eStatements. *To receive a refund of surcharges incurred on this account at foreign ATM's, you must have a minimum of six (6) point-of-sale transactions posted during the statement cycle. Refun is limited to $10.00 per statement cycle.
Main Street Checking
For one low monthly fee our Club Account offers a select group of quality benefits and services. Take advantage of accident insurance for individuals or family, free club checks and much more. Please ask a Customer Service Representative for details.
- Regular Plan: $6.00
- Plus Plan: $8.00
Business Checking
Operating a sound business today takes hard work, a clear set of goals, an eye on the future, a great product and the right financial resource for your total banking needs. Bank of McCreary County has created the simplified Business Checking Account to serve your company's daily money management needs. Business accounts are available to sole proprietorships, partnerships, corporations, and non-profit organizations. Please ask a Customer Service Representative for details.
See our Checking Account Rates
Savings Accounts
Saving for a rainy day becomes easier with a Bank of McCreary County Savings Account. You'll earn a market interest rate and the best in personal banking service, along with savings options to meet your specific savings needs.
Passbook Savings
- $25 minimum to earn interest
- Earns market interest rate
- Interest compounded quarterly
- Passbook provided for account information access
Christmas Club
- Weekly payments of $3, $5, $10, or $20 may be established
- Flexible weekly contributions permitted
- In lieu of interest, Bank of McCreary County will make the 51st regular payment
- A contribution register will be provided so that you may keep up with weekly contributions
- Checks mailed to you in October
G.P.A. Student Savings Account
Grades Pay Awards Program
Available to all McCreary County students in grades K-12 with cash deposit awards for good grades!
Bank of McCreary County is helping motivate students to excel in the classroom. At the end of each grading period, we'll make contributions to a student's Bank of McCreary County G.P.A. Savings Account as follows:
- GPA of 2.0 to 2.99, the student will receive a $3 deposit
- GPA of 3.0 to 3.99 will earn a $6 deposit
- Perfect 4.0 GPA will earn a $10 deposit!
Supporting area students, like only a hometown bank can.
*To participate, a parent or guardian must open a new G.P.A. Savings Account and funds must remain in the account for a minimum of two years.
Certificates of Deposit
- Flexible maturity terms
- $500 minimum deposit required
- Attractive market interest rates
Interest penalty may be imposed for early withdrawal
Individual Retirement Accounts
- $25 minimum opening deposit required
- Bank of McCreary County offers Traditional, Roth and Education IRAs
- Different tax treatment of contributions may apply, depending on type of IRA chosen
- Term of each IRA CD is 12 months
- Market interest rates
- Interest compounded and paid semi-annually
Please talk with your tax advisor regarding eligibility and tax treatment of the various IRA options
NOW & Money Market Accounts
Earning a higher interest rate on your funds without sacrificing access is a key feature of Bank of McCreary County's NOW and Money Market Accounts. Please refer to the following features in selecting the account best suited for your needs, and speak with a Customer Service Representative for complete disclosure on each account including current interest rate information.
NOW Account
- $1,000 minimum to open account
- $7 monthly maintenance fee assessed if balance drops below $1,000
- Earns current market interest rate
- Interest rate subject to change weekly
- Interest credited to account monthly
- Unlimited withdrawals permitted
Super NOW Account
- $2,500 minimum to open account
- Earns higher market interest rate
- $10 monthly maintenance fee assessed if balance drops below $2,500, and account interest rate drops to NOW rate
- Unlimited withdrawals permitted
- Interest rate subject to change weekly
- Interest credited monthly
Money Market Deposit Account
- $2,500 minimum to open account
- Available to individuals and to businesses
- $10 monthly maintenance fee for individuals if balance drops below $2,500
- $20 monthly maintenance fee for businesses if balance drops below $2,500
- Earns market interest rate
- Up to six withdrawals permitted monthly, three of which may be by check to a third party and three by telephone transfer
- $.75 fee assessed for each excessive check or telephone transfer
- Interest rate subject to change weekly
- Interest credited monthly
- Commercial money market accounts subject to account analysis will be charged according to the analysis results, regardless of the balance.
