Personal Banking

Products

Other Products and Services

Certificates of Deposit

  • $1000 minimum to open
  • Terms include: 91-Day, 182-Day, 8-Month, 18-Month, 12-Month, 30-Month, 36-Month, 48-Month and 60-Month.
  • Additions of $1000 and over are allowed on our 91-Day and 182-Day certificates.

13-Month Certificate of Deposit

  • $50,000 minimum to open
  • Terms include: 13-Month

Jumbo Certificates of Deposit

  • $250,000.01 minimum to open
  • Terms include: 91-Day, 182-Day, 8-Month, 12-Month, 13-Month, 18-Month, 30-Month, 36-Month, 48-Month and 60-Month.

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

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!

Free Mobile Banking

  • m.mineolacb.com 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.

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
  • Choose your own PIN for your account security

Visa Credit Card Service Center


Questions or Comments?

Contact us online or give your local bank a call.