Checking Accounts

Click here for a printable PDF account comparison chart

Basic Checking

• This is a non-interest bearing account

• $100 minimum balance to open

• There is a $6.50 monthly maintenance fee with no minimum balance required.

• $.50 for each check or withdrawal in excess of 10 per month.

Regular Checking

• This is a non-interest bearing account

• $100 minimum balance to open

• $500 minimum balance in checking or $1,000 minimum in savings or certificate of deposit balance.

• $7.50 monthly maintenance fee plus $.30 for each check or withdrawal if minimum balance is not maintained. The fee will not apply to senior citizens 55 years of age or older.

Regular Checking With Interest

• This is an interest bearing account

• $200 minimum balance to open

• $1,000 minimum balance in checking or $2,000 minimum in savings or certificate of deposit balance.

• $9.50 monthly maintenance fee plus $.30 for each check or withdrawal if a minimum balance is not maintained.

Good Neighbor

• This is a non-interest bearing account

• $100 minimum balance to open

• $2,000 minimum balance in savings or certificate of deposit or mortgage loan with Middleton Community Bank.

• $12.00 monthly maintenance fee if balance is not maintained.

• Additional services available with the Good Neighbor account, see below for details

Good Neighbor with Interest

• This is an interest bearing account

• $200 minimum balance to open

• $4,000 minimum balance in savings or certificate of deposit.

• $12.00 monthly maintenance fee if balance is not maintained.

• Additional services available with the Good Neighbor account:

  • COMPLIMENTARY First Order of Checks

  • NO ANNUAL FEE Personal Reserve Account (overdraft protection)*

  • NO ANNUAL FEE Debit Card*

  • NO ANNUAL FEE Classic Credit Card*

  • NO ANNUAL FEE 3” x 5” Safe Deposit Box

  *Credit and debit card services subject to approval.

Personal Reserve Account
(Overdraft Protection)

Your safety net against overdrafts and overdraft fees. The Personal Reserve Account automatically covers any overdrafts by making a loan to your account in $100 increments. Interest is charged from the date of entry. Because the PRA is a line of credit, issuance is subject to credit approval.

Direct Deposit Services

Take advantage of the opportunity to have your payroll check automatically deposited for you. Enjoy the security, reliability, flexibility and convenience of knowing that funds are available the day you get paid.