Personal Checking

We at Mount Vernon Bank & Trust offer a variety of checking accounts, from basic to interest-bearing.

Each personal checking account comes with the following free features:

Online Banking
MVBT Mobile Banking App
Mobile Check Deposit
Mobile Wallet for your smartphone
Privileged Status ATM withdrawals
Bill Pay
eStatements
Contactless Debit Cards available for qualified customers

Checking Account Comparisons

Our checking accounts compared side by side
	Deposit & Minimum Balance	Maintenance Fee or Requirements	Benefits
ONE Account	Deposit & Minimum Balance $100 opening deposit required No minimum balance	Maintenance Fee or Requirements Requirements must be met each statement cycle to earn the premium rate: 20 or more posted & settled debit card transactions of at least $5 each (excludes ATM transactions), 1 or more ACH Debit, 1 or more direct deposit (ACH) of at least $500.00; Monthly eStatements; Have online banking	Benefits 4.00% APY* monthly on up to $50,000.00 *In addition to an initial interest rate of 0.100% (0.10% APY), you will be paid a bonus 3.83% interest rate (for a total 4.00% APY) on any account balance below $50,000.01. On any account balance equal to or greater than $50,000.01, you’ll be paid the initial interest rate of 0.100% (0.10% APY), and a 0.050% bonus interest rate (for a total 0.15% APY
Free Checking	Deposit & Minimum Balance $50 opening deposit required No minimum balance	Maintenance Fee or Requirements FREE eStatements (or $3.00 plus tax per paper statement)	Benefits No minimum balance
Regular Checking	Deposit & Minimum Balance $50 opening deposit required $200 minimum balance or $500 avg. daily balance	Maintenance Fee or Requirements No fee unless minimum is not met. If not met, a minimum bal. fee of $3 and $.20 per debit, plus tax, will be assessed	Benefits Free paper statements available.
Super Now	Deposit & Minimum Balance $1000 opening deposit required $1000 minimum balance or $1500 avg. daily balance	Maintenance Fee or Requirements No fee unless minimum balance is not met. If not met, a minimum bal. fee of $3 and $.25 per debit, plus tax, will be assessed	Benefits Interest paid on account balance over $1000

Mount Vernon Bank & Trust One Account | 4.00%APY*

Mount Vernon Bank & Trust would like to earn your business through our ONE ACCOUNT: 4.00% APY on all balances under $50,000. The ultimate "checking and savings in one" account, with a friendly local bank!

All you need to do:

Deposit $100.00 to start (no account minimum)
Have at least 20 debit/credit transactions posted and settled per month of at least $5 each (excluding ATM)
Have one monthly direct deposit (ACH - such as a paycheck) of at least $500; and one monthly ACH debit (such as an automated bill pay)
Get setup with free online banking and eStatements

In addition to an initial interest rate of 0.100% (0.10% APY), you will be paid a bonus 3.83% interest rate (for a total 4.00% APY) on any account balance below $50,000.01. On any account balance equal to or greater than $50,000.01, you’ll be paid the initial interest rate of 0.100% (0.10% APY), and you will be paid a bonus 0.050% interest rate (for a total 0.15% APY).

How to Get Started:

Contact one of our representatives
Stop in during business hours

Checking Account Features:

In addition to a great interest rate, each Mount Vernon Bank & Trust checking account comes with free:

Contactless debit cards
Online banking and eStatements
Mobile Banking / Mobile Check Deposit
Mobile wallet for your smartphone
Bill pay
Priveleged Status ATM withdrawals
FDIC insured

*Annual Percentage Yield(s) effective 06/19/2023 and are subject to change after account opening. Limit one account per primary user tax identification number.