Rewards and Benefits

The Benefits of Loyalty Banking

All you need is an active checking account to qualify and begin to reap the benefits of Loyalty Banking. And we still have FREE checking. Below are the requirements for each tier, and a checklist of what you get just for banking with us!

Bronze

Just an active checking account is required.

Silver

  • $2,500 in checking OR
  • $5,000 combined between DDA, Savings, CD, or MMDA

Gold

  • $7,500 in checking AND $25,000 in outstanding loan balance, OR
  • $15,000 combined between DDA, Savings, CD, or MMDA AND $25,000 in outstanding loan balance, OR
  • $75,000 combined between DDA, Savings, CD, or MMDA

Platinum

  • $15,000 in checking AND $50,000 in outstanding loan balance, OR
  • $25,000 combined between DDA, Savings, CD, or MMDA AND $50,000 in outstanding loan balance, OR
  • $100,000 combined between DDA, Savings, CD, or MMDA

Diamond

  • $25,000 in checking AND $100,000 in outstanding loan balance, OR
  • $75,000 combined between DDA, Savings, CD, or MMDA AND $100,000 in outstanding loan balance, OR
  • $200,000 combined between DDA, Savings, CD, or MMDA
Benefits Loyalty Tier
  Bronze Silver Gold Platinum Diamond
Free POS transactions Always free with any checking! Always free with any checking! Always free with any checking! Always free with any checking! Always free with any checking!
Free Savings Always free with any checking! Always free with any checking! Always free with any checking! Always free with any checking! Always free with any checking!
Free Debit card Always free with any checking! Always free with any checking! Always free with any checking! Always free with any checking! Always free with any checking!
Free Bank By Mail Always free with any checking! Always free with any checking! Always free with any checking! Always free with any checking! Always free with any checking!
Free Telephone Banking Always free with any checking! Always free with any checking! Always free with any checking! Always free with any checking! Always free with any checking!
Free ATM/Debit @ MSB and Sum terminals Always free with any checking! Always free with any checking! Always free with any checking! Always free with any checking! Always free with any checking!
Free Online Banking Always free with any checking! Always free with any checking! Always free with any checking! Always free with any checking! Always free with any checking!
Free Bill Pay Always free with any checking! Always free with any checking! Always free with any checking! Always free with any checking! Always free with any checking!
Waive Coin Counting Fee Always free with any checking! Always free with any checking! Always free with any checking! Always free with any checking! Always free with any checking!
Free Checks from Group D (see check catalogue)   1 free order All All All
Mortgage closing discount   $250 $250 $250 $400
Free Foreign ATM trans on up to 2 checking accounts**     up to $5 up to $5 up to $10
Bonus Increase to CD (unlimited)     0.10% 0.15% 0.20%
Free replacement Debit card (1 per calendar year)     Included Included Included
Waive Stop Payment Fee       Included Included
Waive Annual IRA fee       Included Included
Safe Box Discount       25% 50%
Free wires, money orders, cashier checks, Trav cheq       Included Included
Free Telephone Transfers       Included Included
Free Medallion Signature Guarantee       Included Included
1 extra Hybrid transfer       Included Included
Waive auto deficit transfer fee         Included
Free Account Research         Included
Waive Lost Passbook/CD fee         Included
Free Appraisal on HELOC if needed***         Included

* Active checking account requires any combination of 5 checks, debits, POS, ATM, ACH transactions per month OR direct deposit

** MSB’s Foreign ATM fees only; other banks’ ATM fees may still apply.

*** Appraisal cost will be credited to active checking account once MSB HELOC is drawn upon