Compare Accounts

Benefits	Premium Plus Checking	GenGold Checking	Mobile Checking	Senior Checking	Just Checking
Minimum Deposit to Open	$50	$50	$50	$50	$50
Monthly Service Charge	$15	0% with a mimimum daily balance of $10,000 $3 with minimum daily balance of $5,000 - $9,999.99 $6 with minimum daily balance of less than $5,000	$3	$5	$3
Requirement to Waive Monthly Service Charge	$15,000 combined monthly personal deposit and loan account balance⁵	$10,000 minimum daily balance	$100 minimum daily balance	One posted direct deposit per statement cycle OR $250 minimum daily balance	One posted direct deposit per statement cycle OR $100 minimum daily balance
Minimum Daily Balance to Earn Interest¹	$500	$1,000	Higher interest is paid provided you meet the following requirements each statement cycle: 14 fully processed debit card transactions, have eStatements	Not applicable	Not applicable
Courtesy Pay Limit²	$750	$500	$500	$500	$300
At no additional charge³
Unlimited Check Writing
Mobile Banking
Mobile Deposit
Online Banking
Bill Pay
Telephone Banking
Debit Card and/or ATM Card
Combined statements
Night Deposits
eStatements
Discounted checks	Blue standard checks at no additional charge. Other check styles are 50% off	Blue standard checks at no additional charge. Other check styles are 50% off	No	Blue standard checks at no additional charge. Other check styles are 50% off	No
GenGold^® Savings & Identity Theft Membership⁴	Optional, $6 monthly fee	Included with no additional fee	Optional, $6 monthly fee	Optional, $6 monthly fee	Optional, $6 monthly fee
$250 discount on MCSB mortgage closing costs
Discounted rates on personal consumer loans⁶ with automatic payments
Waiver of set up fee to open Health Savings Account
Waiver of Health Savings Account monthly fees
Money order and/or Treasurer's Check at no additional charge		One per day
Single signature travelers' checks at no additional charge
Waiver of CheckReserve Line of Credit Annual Fee
Access to Premium Plus Savings and CDs

¹ Variable‑rate account. At our discretion, we may change the interest rates and annual percentage yields at any time without notice. Fees may reduce earnings. Interest will be compounded every month and credited to your account every month. The daily balance method is used to calculate the interest on your account. This method applies a daily periodic rate to the principal in the account each day. On non-cash deposits (checks, for example), interest will begin to accrue no later than the next business day. Rate sheet available at any office or online at themerrimack.com.

² Overdrafts may be created by check, ACH, online banking transactions, phone transactions or other electronic means. Recurring debit card transactions (payments that are set up to pay automatically) such as automatic draft from your health club or insurance company may continue to be covered by your overdraft service. Once an overdraft has occurred you are required to bring your account to a positive balance within 30 days. Whether your overdrafts will be paid is discretionary and we reserve the right not to pay. We do not typically pay overdrafts if your account is not in good standing.

³ Available at no additional charge. Terms and conditions may apply, as well as an additional application process.

⁴ Merrimack County Savings Bank has selected Generations Gold, Inc., a fully independent third party service provider, to provide travel and other discounted services on an exclusive basis directly to GenGold^® members. All liabilities, claims, damages, and demands are the direct responsibility of Generations Gold, Inc., the benefits provider. The Merrimack and GenGold^® are not affiliated. Not all services available in all areas. Complimentary ID Theft services must be activated by the customer. GenGold^® is not FDIC insured or an equal housing lender.

⁵Combined monthly balance consists of average collected monthly balance in all deposit accounts plus all outstanding balances on home equity lines or credit, home equity loans, installment loans and mortgages owned and/or serviced by The Merrimack.

3 Available at no additional charge. Terms and conditions may apply, as well as an additional application process.

5 Combined monthly balance consists of average collected monthly balance in all deposit accounts plus all outstanding balances on home equity lines or credit, home equity loans, installment loans and mortgages owned and/or serviced by The Merrimack.

6 Discount does not apply to home equity lines of credit or loans, collateral and stock loans, time loans or CheckReserve line of credit.

³ Available at no additional charge. Terms and conditions may apply, as well as an additional application process.

⁵Combined monthly balance consists of average collected monthly balance in all deposit accounts plus all outstanding balances on home equity lines or credit, home equity loans, installment loans and mortgages owned and/or serviced by The Merrimack.

⁶Discount does not apply to home equity lines of credit or loans, collateral and stock loans, time loans or CheckReserve line of credit.