Visa Debit Cards
Visa Credit Cards
ABC Plan
Direct Deposit
Night Depository
Safe Deposit Boxes
Travelers Checks
Sunshine Club
Kid's Club
Online Banking
Visa Debit Cards
McIntosh County Bank’s Visa Check Card allows you to access your checking account at any merchant that accepts Visa. McIntosh County Bank Visa Check Card is FREE to qualifying checking account holders.
Your card lets you get cash from ATMs. But it’s also a great way to make everyday purchases:
- No need to carry a bulky checkbook.
- No more worries about your check not being accepted.
- No more searching for an ATM just to get cash to make a purchase
Just Sign and go. You’ll get all these benefits automatically:
- Worldwide acceptance – Your Visa check card works at millions of places that accept Visa debit cards.
- Maximum protection – If your card is ever lost or stolen, Visa’s Zero Liability policy* means you won’t pay for any unauthorized purchases.
- No interest is charged – When you use your card to make a purchase, the money comes directly from your checking account.
- Convenient for joint accounts – You don’t have to share a checkbook to make purchases. Each of you can have a Visa check card that accesses the same account.
- Great for travel – Use your card to make purchases in other countries safely and easily. (Except China and Malaysia)
- Easy financial control – Keep track of purchases with no hassles, no worries.
*U.S.-issued cards only. Visa’s Zero Liability policy does not apply to commercial card or ATM transactions, or to PIN transactions not processed by Visa. See your Cardholder Agreement for more details.
Visa Credit Cards
Get the convenience of a VISA credit card from your hometown bank. We can answer all your questions and take your payments right here at McIntosh County Bank where we know you by name, not by number. Manage your account online with a McIntosh County Bank VISA credit card at www.mycardstatement.com.
Summary of terms:
- 12.50% fixed Annual Percentage Rate
- The Annual Percentage Rate may be changed at the discretion of management. If that change is adverse, you will be notified 60 days prior to the change taking effect.
- If you paid the total balance of your previous statement in full, you have 25 days from the billing date to repay the current month's total balance in full before a finance charge will be imposed.
- Average Daily balance method of computing the Balance for Purchase
- No Annual Fee
- $10.00 Late Payment Fee for each billing period in which your minimum payment is not received by payment due date
- $10.00 Over-the-Credit-Limit Fee
Enhancements:
- Toll-Free Travel Reservation Service
- Bonus Travel Dividends
- Auto Rental Discounts
- Discount Shopping Service
- Eyewear Discounts
- Quarterly Newsletter
- Telecommunications Card
ABC Plan
Why pay overdraft fees? If you write checks for an amount that is more than what you have in your account, the ABC Plan will automatically make an advance to cover the checks you have written.
Contact the bank to inquire about the terms of this service or to set up an ABC Plan Account.
Direct Deposit
If you want to make sure your paycheck or government payments make it to your account on time, you can have them directly deposited to your account at McIntosh County Bank.
Contact the bank to inquire about this service, or to set up a direct deposit payment.
Night Depository
If you have trouble making it to the bank during working hours, you can make deposits at our night depository located on the east side of the building.
Safe Deposit Boxes
It's a good feeling knowing that you can protect your valuables for only pennies a day. At MCB we offer a variety of sizes of safe deposit boxes. You will never need to worry about the loss of valuable items. All items stored in safe deposit are completely confidential. No one can open your safe deposit box unless you are present. For piece of mind, contact the bank to inquire about the costs of renting a safe deposit box.
Traveler's Checks
At MCB we offer American Express traveler's checks. Traveler's checks come in several denominations for convenient usage. Traveler's checks are accepted all over the world and will be refunded if lost or stolen.
Contact the bank to inquire about current charges.
Sunshine Club
The SUNSHINE CLUB is for "very important people" and that's what you are at the McIntosh County Bank. If you are age 55 and over, you are eligible to join in the fun!
| Esther Krueger | Shirley Weszner |
MCB Sunshine Club Co-Chairs |
|
To be a member, any one of the following makes you eligible:
1. Maintain a balance of $1,000 in either a personal regular savings account or in
a personal NOW checking account.
2. A $5,000 Certificate of Deposit.
*Customers not meeting the above criteria, may participate in the monthly activities and trips, but will not be eligible for the other benefits. A joint account covers both husband and wife. An individual account covers only the individual named on the account. When you join the Sunshine Club, you will receive a membership card that entitles you to the exclusive list of club benefits listed below.
- FREE CHECKING – No service charge – write as many checks as you want
- FREE Sunshine Club personalized checks
- FREE travelers checks
- FREE money orders and cashier's checks
- FREE COPYING SERVICE (10 copies per month without charge)
- FREE counting and wrapping of loose coins
- FREE CHECKBOOK BALANCING maximum 3 statements/1 hour of balancing by appointment.
- SPECIAL ACTIVITIES AND VACATION OFFERS. Activities, luncheon, or special events will be held periodically. Special trips will be offered to club members throughout the year at discount prices.
- EMERGENCY SERVICE AWAY FROM HOME CALL 1-800-837-3491
Kid's Club
Flounder's School of Savers
designed especially for young savers preschool through sixth grade.
Kids! Join Flounder.
Flounder's School of Savers Features:
- Club membership is for preschool children through 6th grade.
- Club members will receive a laminated membership card.
- Club members will receive an activity card and a stamp for every $5.00 of a deposit with a maximum of 10 stamps per deposit.
- After each full card, club members get to pick a prize from our prize basket!
- Club members will be entered into a quarterly drawing after one full card (10 stamps)
- Club members will be invited to participate in the club's semi-annual activities.
- Club members can only win one quarterly drawing per year.
And don't forget to visit our bank lobby to see Flounder and all his friends in our giant 55- gallon aquarium!!
Online Banking
You asked for it, you got it!! Internet banking is available at MCB. Coming home from work and MCB is closed? No problem. Transfer funds, make loan payment/advances, or just check your account balances all from the comfort of home. With just a few short steps to protect your financial information from the outside world, you can access your records 24 hours a day, 7 days a week. Yep, banking just got easier!
