Online Banking

Checking

Text SizeAAA

Whether you are preparing for college or retirement, or find yourself somewhere in between, The Murray Bank has a checking account that fits.  Learn more about our checking accounts, or compare our accounts to see which one is the best fit for you.

PERSONAL CHECKING

Free Checking

Everyting you need except the monthly fee.

  • $50 opening deposit
  • No minimum daily balance
  • No monthly service fee
  • Visa® debit card*
  • Online banking with bill pay
  • Mobile banking with remote deposit**
  • Unlimited check writing
  • E-statements only

Basic Checking

A full-featured account with an easy-to-waive monthly fee.

  • $50 opening deposit
  • $250 minimum daily balance or $15,000 combined account daily balance to avoid service fee
  • $5 service charge if balance falls below minimum
  • First 50 checks free
  • Visa® debit card*
  • Online banking with bill pay
  • Mobile banking with remote deposit**
  • Unlimited check writing
  • Paper statements or e-statements

Club Checking

Earn competitive tiered interest rates and
receive our Hometown Benefits package.

  • $50 opening deposit
  • $8 monthly service fee
  • Competitive tiered interest levels
    • $.01 - $24,999.99
    • $25,000.00 and over
  • Hometown Benefits
    • $20,000 of 24-hour Accidental Death & Dismemberment Insuranceˆ
    • Travel assistance services
    • CYBERSCOUTˇ and roadside assistance
    • Cell phone protection
  • Visa® debit card*
  • Online banking with bill pay
  • Mobile banking with remote deposit*
  • Free checks
  • Unlimited check writing
  • Paper statements or e-statements

TMB Checking

Earn a higher interest rate on your checking account balance.

  • $50 opening deposit
  • $6 monthly service fee (waived when monthly critertia are met)
  • Interest earning checking account
    • Earn 2.25% APY† on collected balances up to $15,000.
    • Earn .15% APY on collected balances over $15,000.
  • ATM fees waived‡
  • Visa® debit card*
  • Online banking with bill pay
  • Mobile banking with remote deposit**
  • Unlimited check writing
  • E-statements

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

* Subject to approval
** Standard rates and fees may apply from your wireless carrier.
˚ Tiered Level interest rates are $.01 - $24,999.99 & $25,000 and over
ˆ The purchase of Accidental Death & Dismemberment Insurance is not a deposit of the Bank, not FDIC Insured, not insured by any federal government agency and is not guaranteed
ˇ Covers immediate family within household of member
† APY=Annual Percentage Yield. APYs accurate as of 4/1/2017. Rates may change after account is opened. Qualifying criteria each statement cycle to earn interest and avoid monthly fee: (1) 20 debit card purchases posted to account, (2) 1 direct deposit or 2 ACH debits, (3) 1 online or mobile banking account inquiry. If qualifications are not met, all balances earn 0.00% APY.
‡ TMB will not charge for using other banks’ ATMs and will refund up to $6 in other banks’ ATM fees.

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.