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Bank how, where
& when YOU want.

Pursue your passions and adventures knowing that no matter where they take you, you can bank how, where and when you want.

Open An Account 

Open a Checking Account Online

Why Choose MutualBank for Your Checking Account?

All of our checking accounts come with these awesome and FREE features! See the account disclosures below.

 

Online Banking

Online banking gives you convenient access to your MutualBank accounts when you need it, 24/7.

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MutualBank App

Deposit checks, view your account balances and more - anytime, anywhere from your phone or tablet.

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Apple Pay®, Google Pay® & Samsung Pay®

Pay conveniently at supporting retailers with just your smartphone.

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Access to 55,000 Surcharge-Free ATMs

Banking local doesn't mean staying local. Get cash wherever you go with access to 55,000 Allpoint ATMs.

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Debit Card

Our standard debit card is free but you also have the option to personalize your card with your own photo!

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Two-way Text Alerts

To help protect you from fraud, we'll text you when a transaction looks suspicious so you can confirm or deny it.

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ONE SIZE DOESN'T FIT ALL

Compare Personal Checking

(When viewing this section on a mobile device, swipe/scroll to the left to view all checking options)


All of our accounts come with no monthly service fee options!  Scroll down below this table to see how you can get the great perks our Preferred Checking, Preferred Checking with Interest, and Platinum Checking accounts offer over our Basic Checking - while waiving the monthly service charge.

 

 

Platinum
Checking

 

Preferred Checking
with Interest

 

Preferred
Checking

 

Basic
Checking

 

 

Apply Now! 

Apply Now! 

Apply Now! 

Apply Now!  

ATM / Debit Card

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Online Banking & eStatements 

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55,000 Surcharge-Free ATMs 

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Online Bill Pay 

FREE

FREE

FREE

$5.00 / month

Mobile & Tablet Apps 

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Apple, Google & Samsung Pay 

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CardValet® App 

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Free Checks

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First order is free

First order is free

No

First Overdraft Fee Waived

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No

Waived Foreign ATM Fees

2 per billing cycle

2 per billing cycle

No

No

Interest Bearing

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No

No

Minimum to Open

$10.00

$10.00

$10.00

$10.00

Monthly Service Charge

$10.004

$8.003

$6.002

$4.001

Can Service Charge Be Waived?

YES!   See the easy ways to waive monthly fees for each of our accounts below.

Early Closing Fee (within 90 days of opening)

$25

$25

$25

$25

 

Open Platinum
Checking
 

Open Preferred Checking
with Interest
 

Open Preferred
Checking
 

Open Basic
Checking
 

 

 

Easy Ways to Waive Monthly Service Charge


1 Basic Checking has no monthly service charge IF any of the following two conditions are met:

(a) Customer signs up for eStatements

(b) Customer maintains a minimum average balance of $100

A monthly $4 service charge applies if either (a) or (b) are not met. 


2 Preferred Checking has no monthly service charge IF any two of these conditions are met: 

(a) Customer receives at least one direct deposit per month

(b) Customer signs up for eStatements

(c) Customer makes eight debit purchases on the account each statement cycle

A monthly $6 service charge applies if two-of-the-three conditions listed above are not met. 


3 Preferred Checking with Interest has no monthly service charge IF:

Customer maintains a minimum daily balance of $2,500. $8 monthly service charge applies if not met.


4 Platinum Checking has no monthly service charge IF any one of these conditions are met:

(a) $100,000 total loan relationship including unused HELOC

(b) $100,000.00 aggregated deposit relationship, including MutualFinancial Investments and MutualWealth balances

(c) Customer maintains over $10,000 minimum average balance per statement cycle.

$10 monthly service charge applies if none of those conditions are met.

FOR SMARTPHONES & TABLETS

The MutualBank App

Deposit checks from your device, send friends money instantly, view balances & transactions, transfer funds between accounts and more from our app!

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Teen Account

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College Account

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ELITE & EXTENSIVE

Concierge Banking

Concierge Banking is a highly personal service offering extensive investment choices, expert money management and many value-added services. Let us reduce your financial burden.

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WE’RE HERE FOR YOU

Second Chance Banking

We get it, sometimes things happen. If you’ve struggled with a past checking account where overdrafts were an issue, MutualBank Second Chance Checking can help. Contact or visit us to open.

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Low Minimum Deposit

You’ll need just $100 to open a new Second Chance Checking account today.

Discounted Monthly Services Fees

With one direct deposit each statement cycle the monthly service fees are just $9.50 per month.

MANAGE YOUR HEALTHCARE

Health Savings Account

HSAs are tax-advantaged investment accounts for medical expenses for participants in High Deductible Health Care Plans (HDHP). HSAs can provide significant tax benefits to eligible individuals.

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$15 Enrollment Fee

That's all it takes to get started!

 

No Restrictions

No minimum balance or usage requirements.1

1 If you do not enroll in eStatements for your HSA account, a $2.00 paper statement fee will apply each month.

 

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