Personal Banking


Other Products and Services

Certificates of Deposit

  • $1000 minimum to open
  • Terms include 91 Days, 6 months, 8 months, 12 months, 30 months, 48 months and 60 months
  • Additions of $1000 and over are allowed on our 91 day and 6 month certificates.

Jumbo Certificates of Deposit

  • $250,000.01 minimum to open
  • Terms include 6 months, 12 months and 30 months.

Second Chance CDs

  • $1000 minimum to open
  • 18 month terms allow a one time interest rate bump option
  • 36 month terms allow two time interest rate bump option


  • Automatically sweep funds from one account to another to cover overdrafts.
  • You can sweep up to five different accounts
  • The daily fee is $7.00 when a sweep occurs
  • Transfers are limited to 6 per month

FREE Online Banking with Bill Payer

  • Pay your bills online, transfer funds, see your current balances, see check images, make your loan payment, etc.
  • Business Account Customers: this system can handle your business needs, including automatic payroll

Customer Directed Transfer

  • Automatically transfer funds from any account at any bank to or from MCB
  • Transfers must be for the same amount and set up on a recurring basis, monthly, quarterly, weekly, etc.


  • $100 minimum to open
  • Terms include 6 months, 12 months, 18 months and 5 years.
  • We offer Traditional, Roth, Education, SEPs and Simple IRAs


  • View the same information online that is on your paper statement.
  • Receive e-mail notifications when your statement is available online.
  • Reduce the possibility of mail fraud or identity theft.

Safe-Deposit Boxes

  • Available at our Mineola, Grand Saline and Winnsboro offices. Yearly customer fees are as follows:
  • 3x5: $25.00
  • 3x10: $35.00
  • 5x10: $50.00
  • 10x10: $75.00
  • Contents of safe-deposit boxes are not FDIC insured.


  • We specialize in fixed rate home loans
  • We offer several terms and types of loans:home, home improvement, land, consumer loans, auto, farm, etc.
  • We handle commercial loans for your business
  • Check out our competitive rates
  • Compare our closing cost to our competitors, you will like what you see with MCB!

Free Mobile Banking

  • or you can download through the Google Play or App Store.
  • Access your accounts whenever and wherever want using your mobile phone.
  • Pay your bills online, transfer funds, see your current balances, make your loan payment, etc.

Cellular carrier message and data rates may apply.

In-House Check Printing

  • We can now print your personal or business check orders at our main office
  • You can usually get your checks within 3 days and they normally will cost less than other major check vendors

Free MasterCard

  • Choose your own PIN
  • Dollar Limit (ATM) per day $500
  • Dollar Limit (Credit/Pinned Trans.) per day $1,000

Gold Phone (903) 569-1399

  • Call 24 hours a day to find out your current balances, what checks have cleared your account, what deposits have been made, make transfers between your accounts and much more
  • Choose your own PIN for your account security

Questions or Comments?

Contact us online or give your local bank a call.