Personal Banking

Personal Checking

At Mount Vernon Bank & Trust we offer a wide variety of checking options that will meet your checking needs. Just review the accounts below and you will be sure to find one that is perfect for you!

All of our checking accounts include:

Free Online Banking
Free Bill Pay
Free Mobile Banking
Free Privileged Status ATMs
Free Tele-banking
Debit cards available for qualified customers
Free eStatements
Overdraft Protection

e-Checking

Enjoy the rewards of free e-Checking while your money earns the rate of 2.50% APY* on account balances up to $25,000.00 and 0.35% APY* on additional balances over $25,000.00. To qualify, you must do a few things you’re probably already doing during each monthly statement cycle.

-20 (or more) posted & settled debit card transactions (PIN or signature based not including ATMs) at merchants, retailers, online, etc.
- 1 (or more) ACH debits such as utility bills, insurance payments, bill pay items, etc.
- 1 (or more) direct deposit such as payroll, social security, etc.
- Receive a monthly E-statement
- Have an active online banking account
Sign up for online banking at www.mountvernonbank.com

If during a monthly statement cycle you fall short of the account requirements, you will earn 0.10% APY* on your account balance during that month.

*Annual Percentage Yield(s) effective 02.11.13 and are subject to change after account opening. A minimum balance of $50 is required to open this account. Available for personal accounts only. Limit one account per primary user tax identification number.

Free Checking

$50.00 minimum opening deposit
No minimum balance to maintain
No monthly debit card fee
Free unlimited check writing
Free Priviledge Status ATM Transactions
eStatments required
ATM/Debit Card Available - $1 per non- Priviledged Status ATM withdrawals

Regular Checking

$50.00 minimum opening deposit
$200 minimum balance or $500 average daily balance to maintain
No fee unless minimum is not met. If it is not met, a maintenance fee of $3.00 plus tax and $.20 per debit will be assessed.
Unlimited withdrawal if minimum is maintained
Check images returned with monthly statement
ATM/Debit card available

Super Now Checking

Are you looking to earn competitive interest on your checking? The Super Now Checking offers this and more.

$1000.00 minimum opening deposit
$1000.00 minimum balance or $1500 average daily balance required to avoid $3.00 plus tax and $0.25 per withdrawal item monthly maintenance fee
Unlimited withdrawals if minimum balance is maintained
ATM/Debit Card available
Check images returned with monthly statement
Interest paid on account balance (see current rates)

Friends Plus Information

Read the Friends Plus Newsletter

Membership requirements:
To become a member of Friends Plus, you or your spouse must be 50 or better, maintain $2,500 in checking accounts, savings accounts, or CDs at Mount Vernon Bank and Trust

Our Friends Plus member may choose any checking account and receive the benefits that are listed below:

Free checks (limited quantity & Styles)
Free Account Balancing
Free ATM/Debit Card
Free Cashier’s Checks and Money Orders
Fee Free Travel Card on Friends Plus trips
Travel Opportunities