Fees Schedule/Rates

Fees

Safe Deposit Boxes

Available Boxes:

  • 3 X 5: $30.00 annually
  • 5 X 5: $40.00 annually
  • 3 X 10: $55.00 annually
  • 4 X 10: $65.00 annually
  • 5 X 10: $75.00 annually
  • 10 X 10: $100.00 annually
Night Deposit Bags

Available for $30 per bag and $2 per key.

Stop Payments

Available at $32.00 per item.

Non-Sufficient Funds (NSF)/Overdraft

$32.00 per presentment.

RETURN ITEM FOR NON-SUFFICIENT FUNDS

We may charge you non-sufficient funds fees for each resubmission of a debit or re-presentation of an item, which means you may incur multiple non-sufficient funds fees if a debit or item is returned more than one time. For example, you write a check from your account with us. The check is returned for non-sufficient funds, and we may charge you non-sufficient funds fees. The same check is then re-presented to us for payment, and the check is returned again for non-sufficient funds. We may charge you non-sufficient funds fees the second time the check is presented for payment and returned for non-sufficient funds.

Wire Transfers

Domestic
  • Incoming – $15.00
  • Outgoing – $20.00
Foreign
  • Incoming – $20.00
  • Outgoing – $60.00

Rates

Please check with your local banker or visit one of our Banking Centers to learn about our current Money Market rates*, CD specials, and other offerings.

*Rates are variable and may change at any time without notice at the Bank’s discretion. Fees may reduce earnings. Additional terms and conditions may apply. Please contact an M C Bank representative for current rate information.

Certificates of Deposit Special:

3 months at 3.29% APY**

**Minimum opening deposit of $10,000 required. Offer available to new money only. A penalty may be imposed for early withdrawal. APY=Annual Percentage Yield. 3.25% interest rate; 3.29% APY. APY is accurate as of December 11, 2025.

*Rates effective December 11, 2025.