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My MSB Checking

One Account Made Simple

Cash Back With Every Debit Card Purchase

My MSB Checking

Getting a little cash back in your pocket, you'll earn 5 cents on every debit card transaction1.

Our checking account details include:

  • No minimum balance
  • $100 minimum opening balance
  • No monthly fees
  • Option for paper3 or eStatements
  • Out-of-network ATM access rebates2
  • The higher the deposit balance, the greater the interest earned4
  • This account offers My Overdraft Protection, which can cover the needed funds up to a predetermined limit ranging from $500 to $2500*
  • FDIC insured
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More Details About My MSB Checking

A checking account from MSB allows you to make the most of every dollar you earn. Take advantage of benefits such as:

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Visa® Debit Card

Access your account anywhere with a Visa® debit card from MSB. Our convenient and secure debit cards are easy to use and offer additional protection.

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Cash Back Rewards

Get paid for shopping with personal checking cash-back rewards from MSB. Earn 5 cents back on all debit card transactions. 1

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Online and Mobile Banking

Enjoy 24/7 access to all your banking information with MSB Online. Use your phone or desktop for a seamless banking experience.

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Checks

Need checks for bills or other purchases? Your first order of standard checks from MSB is free.

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ClickSwitch®

MSB is a proud partner of ClickSWITCH® to make moving your money or performing recurring electronic payments simple.

Learn More Learn more about clickswitch
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Free BillPay

Pay your bills anytime and on any device with MSB BillPay. Whether you want to set up scheduled or make one-time payments, our online BillPay ensures you never miss a payment again.

Frequently Asked Questions

The following are frequent questions regarding MSB’s checking account. If you have any further questions, please get in touch with our team today.

What Do I Need to Have Ready to Apply for an Account Online?

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To make opening your new account simple please have the following ready for each account owner:
  • mobile phone number
  • email address
  • social security number
  • Valid drivers license or state Issued ID
  • Physical address
Disclosure: all applicants must be US citizens at least 18 years of age and a Maine resident or an existing customer.

What is the Difference Between eStatements and Paper Statements?

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  • An $8.00 fee will be charged for Paper Statements.
  • The $8.00 paper statement fee will be waived only for primary account holders 62 and over, for any customer who carries a deposit relationship of $100.00 or greater, or if a customer requests electronic statements within 30 days of account opening and must continue to receive eStatements thereafter.

Our Disclosures

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1At the end of each statement cycle, you will be paid $0.05 cash back reward for each debit card transaction that posts and clears your account. ATM transactions do not receive the cash back reward.

2Up to $25.00 in monthly ATM Rebates when using a non-Machias Savings Bank ATM in the United States. Accept the disclosed fee and we will refund the surcharge the next business day.

3An $8.00 fee will be charged for Paper Statements. The $8.00 paper statement fee will be waived only for primary account holders 62 and over, for any customer who carries a deposit relationship of $10,000.00 or greater, or if a customer requests electronic statements within 30 days of account opening and must continue to receive eStatements thereafter.

4Checking account fees may apply and reduce earnings on the account.

*My Overdraft Protection is subject to credit approval.

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My MSB Savings

Start planning for the future today with an MSB Savings Account. Our easy-to-use savings account has no minimum balance or monthly fees, providing a simple way to take control of your finances.

Learn More Learn more about MSB savings
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My MSB Overdraft Protection

We’ve got you covered. Our My MSB Overdraft Protection will act as a line of credit to cover any needed funds up to a predetermined limit, upon credit approval.

Learn More Learn more about MSB Overdraft Protection
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My MSB Money Fund

Grow your money and enjoy easy access when you need it. The higher your deposit balance, the more interest you earn, and you can make in-person or online transactions whenever you need to.

Learn More Learn more about MSB money fund
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