Common Features of Mound City Bank Accounts

The following fees may be assessed against your account and the following transaction limitations, if any, apply to your account.

Choose a Service

Overdraft Fees

Fee TypeAmount

Overdraft fees

$29.00 per transaction up to a maximum of 5 transactions or $145.00 per day*

Return item fees

$29.00 per item*

*If the final account balance after positing is overdrawn $10.00 or less, there will be no overdraft fee assessed, however return item fees may apply.

We do authorize and pay overdrafts for the following types of transactions

  • Checks and other transactions made using your checking account number
  • Automatic bill payments

We will pay any transaction $10 or less presented for payment against your account when funds are not available. An overdraft fee will not be charged.

For consumer accounts, we will not charge fees for the following types of transactions unless you opt in for our OOPS! service:

  • ATM transactions
  • One-time card transactions

Any debit card transactions authorized with a positive balance and settled  (post to the account) with a negative balance will be paid. An overdraft fee will not be charged. 

We pay overdrafts at our discretion, which means we do not guarantee that we will always authorize and pay any type of transaction.

If you do not authorize us to pay an overdraft, your transaction may be declined. The categories of transactions for which an overdraft fee may be imposed are those by any of the following means: check, in-person withdrawal, ATM withdrawal, or other electronic means.

Coin & Currency

Fee Type

Amount

Per roll

$.10

Per strap

$.20

Coin counting (customer)

FREE

Coin counting (non-customer)

10% of total

Night Depository Bags

Fee Type

Amount

With Lock - first bag

FREE

Each additional bag

$35.00

Replacement key

$10.00

Zipper - first bag

FREE

Zipper - each additional bag

$10.00

Safe Deposit Box (SDB): The Contents of a SDB are NOT FDIC Insured.

*Pass through

Fee Type

Amount

3" x 5" Box Rental

$25.00 per year

5" x 5" Box Rental

$35.00 per year

3" x 11" Box Rental

$40.00 per year

5" x 11" Box Rental

$45.00 per year

8" x 10" Box Rental

$60.00 per year

10" x 10" Box Rental

$80.00 per year

Replacement Key Charge

$50.00

Cost of drilling box

Pass Through*
*Pass through fee is a fee that is charged to the bank for the service and subsequently passed on to the customer

Wire Transfers

Fee Type

Amount

Incoming Wire Fee

$25.00

Outgoing Wire Fee

$25.00

International Wire Fee

$40.00

All Other Services

Fee Type

Amount
Account closed by customer within 90 days of opening

$25.00

Account reconciliation/research (per hour)

$25.00

Bank Checks
     Bank Money Order
     Cashier's Check
     Personal Money Order


$5.00
$10.00
$3.00

Check cashing (per check/non customer drawn on MCB)

$5.00

Collection Items (including foreign checks)
     Deposited Check return
     Redeposited item

$25.00
$5.00
$5.00

Check printing

Varies by style/quantity

CHECKMATE DEBIT CARD Instant Issue (at account opening)

FREE

CHECKMATE DEBIT CARD Instant Reissue (per card)

$10 per card

Digital copy of monthly statements

$10.00

Endorsement Stamps
     Self-inking
     Rubber Stamps


$40.00
$30.00

Foreign currency (order or exchange)

$25.00

Gift cards (per card)

$3.00

Legal Actions
     Garnishments
     Subpoena Response (per hour)
     Tax Levy (per initial request)
     Escheatment/Abandoned Account (per initial request)


$50.00
$25.00
$50.00
$50.00

MCB Online/Mobile Banking access
     Online/Mobile account transfers
     (not available for CD or IRA accounts)
     Check Free (bill pay)
Fees may apply for overnight checks or same day ACH payments

FREE
FREE

FREE

Medallion Stamp (per stamp)

$25.00

HSA Excess Contribution Maintenance

$25.00

IRA Excess Contribution Maintenance

$25.00

Postdated check notice

$29.00

Stop payment charge

$29.00

Undeliverable Address (per month)

$5.00

We may require not less than 7 days notice in writing before each withdrawal from an interest-bearing account other than a time deposit, or from any other savings account as defined by Regulation D. Withdrawals from a time account prior to maturity or prior to any notice period may be restricted and may be subject to penalty. See your notice of penalty for early withdrawal.