Personal Banking Solutions

Like any bank, we have a full range of products and services. Unlike most banks, we don't fit you into a product-of-the-month. Instead, every one of our employees has the knowledge, experience, and flexibility to craft a solution to your particular needs. Let's discuss your needs. We'll put together a custom package of competitively priced products from our range of deposit, loan, investment, and other services. Just click to find out more!

Deposit Accounts

Moneymaster Checking Account:

• $5000 minimum to open
• Unlimited check writing
• Monthly interest paid on collected balances
• The Annual Percentage Yield (APY) is based on monthly compounding of interest
• Monthly statements
• Monthly service charge of $20, if average daily balance falls below $5000

Interest Checking:

• $500 average daily balance
• Monthly service charge of $12 if average daily balance falls below $500
• The Annual Percentage Yield (APY) is based on monthly compounding of interest
• Monthly Statements
• $.25 per debit if average daily balance is not maintained

Club Account:

• No minimum balance
• No monthly service charge
• No transaction fees
• Free Muskegon Commerce checks (maximum order of 1 box at a time, no duplicates)
• Monthly Statements

Cash Management:

• Interest calculated on daily collected balance and compounded monthly
• Up to 6 pre-authorized withdrawals per month, 3 may be checks
• Unlimited withdrawals in person
• Monthly service charge of $5 and $.25 per check/debit fee if minimum daily balance falls below $1000
• Monthly statements

Statement Savings:

• $200 average daily balance
• If average balance falls below $200, a service charge of $6 per quarter
• Minimum balance fees are waived if over 62
• Interest is calculated on average collected balance
• Quarterly statements
• The Annual Percentage Yield (APY) is based on quarterly compounding of interest

Christmas Club Account:

• No minimum to open
• No cost to set-up
• Only one withdrawal will be permitted (account will be closed if more than 1 withdrawal is needed)
• No penalties if the account is closed early
• No coupon books will be issued. The customer will be issued a savings account and will contribute to the account through electronic transfer or directly at the teller window
• A check will be issued in the first week or so of October each year
• Quarterly statements

Certificate of Deposit (CD)

• CD's are a popular way to save, and we can tailor them to meet your needs
• Terms are flexible
• We base our yields on current market rates, making sure that the return we give you is among the most competitive you'll find in the area.

Individual Retirement Account (IRA)

• IRA's are an ideal way to save for your retirement
• We can help you put together a plan based on your financial goals
• Earnings may be tax deductible.

Other Account Fees & Description

Benefits and Convenience Services

Customer Benefits:

• Cashier Checks- 6 free a month and must be purchased by the account holder
• Free Travelers Checks
• Free phone transfers
• Money Orders- 4 free a month and must be purchased by the account holder
• Wire Transfers
• Notary Services
• Safe Deposit Box

ATM Card:
Outfit yourself with a Muskegon Commerce Bank ATM card, and you have access to your money seven days a week, 24 hours a day at any ATM location.

• Use it at over thousands of Cirrus® and NYSE locations.
• Use it like a check at any location that displays the NYSE logo.
• Use it to deposit checks, check on account balances, and transfer funds between accounts.

Debit Card:
Looking for a convenient, safe way to pay? Check out our VISA debit card. It looks like a credit card, but works like an electronic check at any merchant who displays the VISA logo.

• It's an electronic check you can use to pay for purchases at over 14 million VISA merchants worldwide.
• Purchases come directly out of your designated checking account, and your monthly statement details all activity.
• There is no annual fee.
• It does everything an ATM card does, plus more.