Open a Checking Account Online, UChoose Checking, Free Checking and Checking With Interest / MutualBank

Business & Personal Checking Accounts  MutualBank


UChoose Checking

Open a Savings Account Online

UChoose Checking | UChoose Loyalty Rewards
Our UChoose Checking account offers you the options you want at a price you can afford.  You get UChoose Loyalty Rewards and you can avoid monthly service fees. We make switching to MutualBank easy. The price is dependent upon how you build your account.  Let us help you build the account that fits you and your wallet or open your account online now!

   Option 2    Option
Free ATM/Debit Card      
Waived Foreign ATM Fees   none   two per cycle   two per
UChoose Loyalty Rewards      
Free Online Banking      
Free Online Bill Pay      
Free MutualMobile      
Free eStatements      
Free Checks   First Order   First Order  
First NSF fee waived each year      
Free Notary Services      
Interest Bearing   no   yes   yes, premium rate on $10,000+ balances
Minimum to open   $10.00   $10.00   $10.00
Monthly Service Charge   $6.00   $8.00   $10.00
Can the fee be waived?   √ (*)    √ (**)   √ (***)


Announcing Allpoint ATMs! | Learn More

MutualBank is now an Allpoint partner, meaning our debit card holders have surcharge-free access to 55,000 ATMs worldwide - twice as many as the big national banks. Learn More

*Option 1
: This fee is waived if any two of the following three conditions are met:

  1. Customer receives at least one direct deposit per statement cycle
  2. Customer signs up for eStatements for the account
  3. Customer makes 8 debit purchases on the account each statement cycle

**Option 2: This fee is waived if the customer maintains minimum daily balance of $2,500.

***Option 3: This fee is waived if the customer meets one of the three conditions below:

  1. $100,000 total loan relationship, including unused HELOC
  2. $100,000 aggregated deposit relationship
  3. Over $10,000 minimum average balance for the statement cycle

 Open a UChoose Checking Account Now!


Mutual News
  • MutualBank Announces the Promotion of Josh Baker to Commercial Banker

    MARION, INDIANA – Previously serving as Commercial...

    Wednesday, April 27, 2016


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Mutual Blog

Security Reminder / Fraud Texts & Calls

Some of our customers are receiving texts like the one pictured below or are receiving phone calls asking for their account information. If you do receive this text or any communication asking for your account information, DO NOT click on the link or provide any of your account information. Only log into your account via If you have received this text and have provided your account information, please contact us immediately (800-382-8031) so we can take measures to protect you.

Please be aware this is not a data breach. The texts are going to all Muncie cell phone numbers in a range. So far we are aware of 765-716-xxxx 765-717-xxxx and 765-729-xxxx and 765-724-xxxx. It is going to all of the numbers, not just MutualBank customers.

Wednesday, February 10, 2016


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