• In observance of Martin Luther King, Jr. Day we will be closed Monday, January 21st. Our Mineola Brookshire's location will be open for normal business hours.

Personal Banking


Other Products and Services

Certificates of Deposit

  • $1000 minimum to open
  • Terms include 91 Days, 6 months, 8 months, 12 months, 30 months, 48 months and 60 months
  • Additions of $1000 and over are allowed on our 91 day and 6 month certificates.

Jumbo Certificates of Deposit

  • $250,000.01 minimum to open
  • Terms include 6 months, 12 months and 30 months.

Second Chance CDs

  • $1000 minimum to open
  • 18 month terms allow a one time interest rate bump option
  • 36 month terms allow two time interest rate bump option


  • Automatically sweep funds from one account to another to cover overdrafts.
  • You can sweep up to five different accounts
  • The daily fee is $5.00 when a sweep occurs
  • Transfers are limited to 6 per month

FREE Online Banking with Bill Payer

  • Pay your bills online, transfer funds, see your current balances, see check images, make your loan payment, etc.
  • Business Account Customers: this system can handle your business needs, including automatic payroll

Customer Directed Transfer

  • Automatically transfer funds from any account at any bank to or from MCB
  • Transfers must be for the same amount and set up on a recurring basis, monthly, quarterly, weekly, etc.


  • $100 minimum to open
  • Terms include 6 months, 12 months, 18 months and 5 years.
  • We offer Traditional, Roth, Education, SEPs and Simple IRAs


  • View the same information online that is on your paper statement.
  • Receive e-mail notifications when your statement is available online.
  • Reduce the possibility of mail fraud or identity theft.

Safe-Deposit Boxes

  • Available at our Mineola, Grand Saline and Winnsboro offices. Yearly customer fees are as follows:
  • 3x5: $25.00
  • 3x10: $35.00
  • 5x10: $50.00
  • 10x10: $75.00
  • Contents of safe-deposit boxes are not FDIC insured.


  • We specialize in fixed rate home loans
  • We offer several terms and types of loans:home, home improvement, land, consumer loans, auto, farm, etc.
  • We handle commercial loans for your business
  • Check out our competitive rates
  • Compare our closing cost to our competitors, you will like what you see with MCB!

Free Mobile Banking

  • or you can download through the Google Play or App Store.
  • Access your accounts whenever and wherever want using your mobile phone.
  • Pay your bills online, transfer funds, see your current balances, make your loan payment, etc.

In-House Check Printing

  • We can now print your personal or business check orders at our main office
  • You can usually get your checks within 3 days and they normally will cost less than other major check vendors

Free MasterCard

  • Choose your own PIN
  • Dollar Limit (ATM) per day $500
  • Dollar Limit (Credit/Pinned Trans.) per day $800

Gold Phone (903) 569-1399

  • Call 24 hours a day to find out your current balances, what checks have cleared your account, what deposits have been made, make transfers between your accounts and much more
  • Choose your own PIN for your account security

Questions or Comments?

Contact us online or give your local bank a call.