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Checking

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Whether you are preparing for college or retirement, or find yourself somewhere in between, The Murray Bank has a checking account that fits.  Click here to learn more or read below.

PERSONAL CHECKING

Basic Checking

  • $250 Minimum daily balance to avoid service charge
  • $5 Service charge if balance falls below minimum
  • First 50 checks free
  • Unlimited check writing
  • Minimum of $50 to open

Blue & Gold Checking

  • No minimum daily balance
  • No monthly service charge
  • Unlimited check writing
  • E-Statements with images
  • Minimum of $50 to open

Murray Club

  • No minimum daily balance
  • $7 Monthly fee
  • Unlimited check writing
  • Free check orders
  • $10,000 24-Hour Accidental Death Insurance*
  • $35,000 Common Carrier Coverage*
  • Identity Theft 911® & ID Theft Recovery Service
  • Local pharmacy/vision and hotel/motel discounts**
    **This is not insurance.
  • Gift card rebates up to $500/year
  • Estate planning software
  • Emergency travel assistance service
  • Minimum of $50 to open

Murray Gold Club

(Must be at least 50 years of age)

  • $100 Minimum daily balance to avoid service charge
  • $7 Service charge if balance falls below minimum
  • Interest paid monthly on all collected balances on a tiered level:
    $.01 – $24,999
    $25,000 – Over
  • First 50 checks free
  • Reduced price on check re-orders
  • Unlimited check writing
  • $100,000 Common Carrier Coverage*
  • Identity Theft 911® ID Theft Recovery Service
  • Minimum of $100 to open

Murray Family Gold

(Must be at least 50 years of age)

  • No minimum daily balance
  • $5 monthly fee
  • Interest paid monthly on all collected balances on a tiered level:
    $.01 - $24,999
    $25,000 - Over
  • Free checks
  • Unlimited check writing
  • $10,000 24-Hour Accidental Death Insurance*
  • $150,000 Common Carrier Coverage*
  • Identity Theft 911® & ID Theft Recovery Service
  • Minimum of $50 to open

Checking with Interest

  • $1,000 Minimum daily balance to avoid service charge
  • $5 Service charge if balance falls below minimum
  • Interest paid monthly on all collected balances on a tiered level:
    $.01 - $24,999
    $25,000 - Over
  • First 50 checks free
  • Unlimited check writing
  • Minimum of $1,000 to open

Personal Investment

  • $1,000 Minimum daily balance to avoid service charge
  • $7 Service charge if balance falls below minimum
  • Limited to six withdrawals per month
  • $5 for each transaction over limit
  • Interest paid monthly on all collected balances on a tiered level:
    Under $10,000
    $10,000 - $24,999.99
    $25,000 - $49,999.99
    $50,000 - $99,999.99
    $100,000 & over

*Insurance products are:

*Not a deposit

*Not FDIC Insured

*Not Insured by and Federal Government Agency

*Not Guaranteed by the Bank

Overdraft Protection

The Murray Bank offers several options to help you avoid the inconvenience of a bank overdraft.

Transfer from another account- If you have other accounts with us, you can authorize us to transfer the funds needed to cover your overdraft. These transfers are automatic and will transfer the amount necessary to cover the overdraft. There is a $1 fee for each transfer.

Line of Credit A line of credit is available to cover overdrafts. This service requires you to complete an application and approval is based on your credit worthiness. Contact a Bank lender for applicable terms and conditions.  There is an annual fee of $20 for this line credit.

Hometown ProtectionHometown Protection is a service we add to your checking account to cover inadvertent overdrafts, subject to eligibility requirements.  With Hometown Protection we will generally pay your overdraft items up to $300; however, whether your overdrafts will be paid is discretionary and we reserve the right not to pay.  For example, we typically do not pay overdrafts if your account is not in good standing, or you are not making regular deposits, or you have too many overdrafts. You will be charged our normal overdraft or return item fee (currently $28) for each item that is presented. Both the amount of the overdraft items and all applicable fees, including but not limited to the overdraft fees, are included in the limit.  All deposits to overdrawn accounts are applied to the negative balance.