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Personal Checking Accounts

Make your life easier by getting everything you could ever want in a checking account – like no monthly service fees or minimum balance and monthly cash rewards or iTunes® credit.

All accounts include:

  • FREE MasterCard debit card
  • FREE online and mobile banking and bill pay
  • SUM surcharge-free ATMs nationwide
  • Paperless eStatement option
  • All deposits fully insured

Find the checking account that works for you.

Chart Disclosures
*Mutual Bank will not charge a fee for the use of other banks' ATMs. Other institutions may impose a fee for the use of their ATMs.
***Earn bonus $15 in iTunes® refunds with initial account opening, regardless of qualifications. Earn $10 in iTunes® refunds each cycle the minimum qualifications are met. Downloads must be purchased with your REALTunes® Checking debit card.
****Qualifying transactions must post and clear to the account during monthly qualification cycle. Transactions may take one or more banking days from the date the transaction was made to post to your account. Intra-bank transfers do not count as qualifying transactions. Apple® is not a participant in or sponsor of this promotion.
*****Data and messaging charges may apply.***Earn bonus $15 in iTunes® refunds with initial account opening, regardless of qualifications. Earn $10 in iTunes® refunds each cycle the minimum qualifications are met. Downloads must be purchased with your REALTunes® Checking debit card.
****Qualifying transactions must post and clear to the account during monthly qualification cycle. Transactions may take one or more banking days from the date the transaction was made to post to your account. Intra-bank transfers do not count as qualifying transactions. Apple® is not a participant in or sponsor of this promotion.
*****Data and messaging charges may apply.

Totally FREE Checking
*Minimum balance to open the account is $50.00. Minimum balance to avoid fees – There is no balance requirement and no monthly service fee associated with this account.
**Mutual Bank will not charge a fee for the use of other banks' ATMs. Other institutions may impose a fee for the use of their ATMs.

REWARDChecking®
Minimum to open account is $10.00
*Tier 1 applies to balances of $.01 - $10,000 and Tier 2 applies to balances over $10,000 if qualifications are met during the monthly qualification cycle. Base Rate applies to all balances if monthly qualifications are not met. All balances will earn Tier 1 and 2 rates if monthly qualifications are met. Rates may change after the account is opened. Fees may reduce earnings. Qualifying transactions must post and clear to the account during the monthly qualification cycle. Transactions may take one or more banking days from the date the transaction was made to post to an account. Intra-bank transfers do not count as qualifying transactions.
**ATM Fee reimbursements up to $15 per month and $5 per item provided only if qualifications are met within the monthly qualification cycle.

REALTunes®
Minimum to open account is $10.00.
*Earn $15 in iTunes® download refunds with initial account opening regardless of qualifications. Earn up to $10 in iTunes® download refunds each cycle the minimum qualifications are met. Downloads must be purchased with your check card associated with your REALTunes® Checking account. Qualifying transactions must post and clear to the account during the monthly qualification cycle. Transactions may take one or more banking days from the date the transaction was made to post to an account. Intra‐bank transfers do not count as qualifying transactions.
**ATM Fee reimbursements up to $15 per month and $5 per item provided only if qualifications are met during the monthly qualification cycle. iTunes® is a registered trademark of Apple, Inc. Apple Inc. is not a participant in or sponsor of this program. REALTunes® is for personal checking accounts only.

High Interest Checking
Minimum balance to open the account is $50.00.
*Minimum balance to obtain the Annual Percentage Yield disclosed –You must maintain a minimum balance of $.01 in the account each day to obtain the disclosed Annual Percentage Yield.
**Minimum balance to avoid fees – A fixed charge of $10.00 will be applied every statement cycle if the balance in this account falls below $1,500.00 any day of the cycle.

Veterans - Direct Free Interest 

Minimum balance to open the account is $50.00.
*Minimum balance to avoid fees – There is no balance requirement and no monthly service fee associated with this account. Minimum balance to obtain the Annual Percentage Yield disclosed – You must maintain a minimum balance of $10.00 in the account each day to obtain the disclosed Annual Percentage Yield.
**Mutual Bank will not charge a fee for the use of other banks' ATMs. Other institutions may impose a fee for the use of their ATMs.

Veterans - 50+ Free Interest Checking

Minimum balance to open the account is $50.00.
*Minimum balance to avoid fees – There is no balance requirement and no monthly service fee associated with this account. This account is intended for customers 50 years of age or older. Minimum balance to obtain the Annual Percentage Yield disclosed – You must maintain a minimum balance of $10.00 in the account each day to obtain the disclosed Annual Percentage Yield.
**Mutual Bank will not charge a fee for the use of other banks' ATMs. Other institutions may impose a fee for the use of their ATMs.

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