Checking

Regular Checking

•  $100 minimum deposit to open account.
• If the daily balance falls below $500 anytime during statement cycle, there will be a maintenance fee of $4.00 plus a charge for debit fee of .20 for each transaction.

Student Checking

• Students who are actively enrolled in High School or College will be exempt from any maintenance or activity fees.
• $25.00 minimum deposit required to open account. No minimum balance required to avoid fees. Standard Bank of Monticello checks are FREE on first order.

Choice Checking

• Choice Checking is our flat fee checking. 
• The minimum deposit to open Choice Account is $100.00.
• A maintenance fee of $6.00 will be charged per statement cycle on this account.
• No minimum balance requirements or transaction limitations.

Rainbow Checking

• Minimum age 50
• $100 Minimum Deposit to Open
• No Minimum Balance Required to Avoid Fees
• Interest Bearing Account
• $10 Discount on Safe Deposit Box Rental Fee
• FREE Standard Bank of Monticello Checks
• NO FEE for Purchase of (2) Cashier's Checks per Month. (If more than 2 per month are purchased, there will be a fee of $2.00 each.)
• Unlimited Check Writing

Interest rate is subject to change at any time.

Money Market

• Minimum deposit to open account is $1,000.
• If the daily balance falls below $1000.00 anytime during the statement cycle, there will be a maintenance fee of $5.00.
• A charge for debit fee of $2.00 will be charged for each debit transaction in excess of 6 per month.

Rates are tiered according to daily balance and are subject to change at any time.