18 month terms allow a one time interest rate bump option
36 month terms allow two time interest rate bump option
Sweeps
Automatically sweep funds from one account to another to cover overdrafts.
You can sweep up to five different accounts
The daily fee is $7.00 when a sweep occurs
Online Banking with Bill Pay
Pay your bills online, transfer funds, see your current balances, see check images, make your loan payment, etc.
Customer Directed Transfer
Automatically transfer funds from any account at any bank to or from MCB
Transfers can be set up as a one-time or recurring transfer. If it is a recurring transfer, it must be for the same amount and can be set on the following frequencies: monthly, quarterly, weekly, etc.
IRAs
$100 minimum to open
Terms include: 182-Day, 1-Year, 18-Month and 60-Month.
We offer Traditional, Roth, SEPs and Simple IRAs
13-Month IRA
$50,000 minimum to open
Terms include: 13-Month
E-Statements
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, Edgewood and Winnsboro locations.
Box size varies depending on location. For pricing and availability, please contact your local branch office.
Contents of safe-deposit boxes are not FDIC insured.
Loans
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!
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.
Cellular carrier message and data rates may apply.
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
MasterCard
Choose your own PIN
Dollar Limit (ATM) per day $500
Dollar Limit (Credit/Pinned Trans.) per day $2,000
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
