M&P Investment Checking

  • Minimum opening deposit - $5,000
  • Unlimited deposits and check writing
  • Interest is paid at a tiered rate
  • High Interest* Checking if terms are met
  • Must receive E-Statements
  • Must maintain an average daily balance of $5,000 or more
  • If the above criteria is not met, interest will not be paid
  • Interest is compounded and paid monthly. If the account is closed before interest is paid, all accrued interest may be forfeited
  • Monthly statement with images
  • $5.00 service charge applies every statement cycle if average balance falls below $5,000 during the statement cycle
  • Free Visa Debit Card with E-Statements - Card Subject to Approval
  • Free 24-Hour account access through Online Banking or 24-Hour Banking Anytime line
  • Free Online Bill Pay with E-Statements
  • Annual fee on M&P Credit Card waived if your average annual Investment Checking balance is $75,000 or more
  • Bounce Protection is not available
  • If account is closed within 90 days of opening, a $25 charge may apply before the account is closed

*Interest rate is variable and subject to change. Interest is computed by using the Average Daily Balance


E-Net Checking

  • Minimum opening deposit - $100
  • High Interest * Checking if terms are met:
  • Must receive E-Statements
  • Must have 12 or more Debit Card point of sale transactions post and clear per statement cycle (ATM transactions do not qualify)
  • Must have one Direct Deposit and/or one ACH Debit post and clear per statement cycle
  • If the above criteria is not met, interest will not be paid
  • Interest is compounded and paid monthly. If the account is closed before interest is paid, all accrued interest may be forfeited
  • $7.50 service charge applies every statement cycle if average balance falls below $1,000 during the statement cycle. Service charge WAIVED if receiving E-Statements or Direct Deposit
  • Free Visa Debit Card with E-Statements or Direct Deposit – $1.00 per card per statement cycle applies if no E-Statements or Direct Deposit - Card Subject to Approval
  • Unlimited deposits and check writing
  • Bounce protection available upon approval
  • Free 24-Hour account access through Online Banking or 24-Hour Banking Anytime line
  • Free Online Bill Pay with E-Statements - $3.95 service charge per statement cycle applies if not receiving E-Statements
  • Monthly statement with images
  • $2.00 Postage and Handling fee applies if receiving paper statements. Postage and Handling fee WAIVED if receiving E-Statements.
  • If account is closed within 90 days of opening, a $25 charge may apply before the account is closed

* Interest rate is variable and subject to change. Higher rate paid on balances up to $25,000. Balances in excess of $25,000 paid Advantage Plus Checking rate. Interest is computed by using the Average Daily Balance.


Advantage Checking

  • Minimum opening deposit - $100
  • Interest paid at tiered rate
  • Interest is compounded and paid monthly. If the account is closed before interest is paid, all accrued interest may be forfeited
  • Free basic checks
  • $7.50 service charge applies every statement cycle if average balance falls below $500 during the statement cycle. Service charge WAIVED if receiving E-Statements or if overall deposit relationship is $25,000 or more
  • Visa Debit Card – $1.00 per card per statement. Fee WAIVED if receiving E-Statements or Direct Deposit. Card Subject to Approval.
  • Unlimited deposits and check writing
  • Bounce protection available upon approval
  • Free 24-Hour account access through Online Banking or 24-Hour Banking Anytime line
  • Online Bill Pay – $3.95 per statement cycle. Fee WAIVED if receiving E-Statements
  • Monthly statement with images
  • $2.00 Postage and Handling fee applies if receiving paper statements. Postage and Handling fee WAIVED if receiving E-Statements or overall deposit relationship is $25,000 or more.
  • If account is closed within 90 days of opening, a $25.00 charge may apply before the account is closed


Advantage Plus

  • Minimum opening deposit - $100
  • Age 55 and over
  • Interest paid at tiered rate with Direct Deposit
  • Must receive a Direct Deposit in the account per statement cycle to receive interest at current interest rate. No interest paid if not receiving Direct Deposit
  • Interest is compounded and paid monthly. If the account is closed before interest is paid, all accrued interest may be forfeited
  • Free basic checks
  • $7.50 service charge applies every statement cycle if average balance falls below $500 during the statement cycle. Service charge WAIVED if receiving E-Statements or if total banking relationship is $10,000 or more
  • Visa Debit Card – $1.00 per card per statement. Fee WAIVED if receiving Direct Deposit or E-Statements. Card Subject to Approval
  • Unlimited deposits and check writing
  • Bounce protection available upon approval
  • Free Cashiers Checks
  • Free 24-Hour account access through Online Banking or 24-Hour Banking Anytime line
  • Online Bill Pay – $3.95 per statement cycle. Fee WAIVED if receiving E-Statements
  • Monthly statement with images
  • $2.00 Postage and Handling fee applies if receiving paper statements. Postage and Handling fee WAIVED if receiving E-Statements or overall deposit relationship is $10,000.00 or more
  • If account is closed within 90 days of opening, a $25.00 charge may apply before the account is closed


Insured Money Market

  • Minimum opening deposit - $100
  • Higher interest paid on balances over $2,500
  • Interest is compounded and paid monthly. You must maintain a minimum daily balance of $1.00 in the account each day to obtain the disclosed annual percentage yield. If the account is closed before interest is paid, all accrued interest may be forfeited
  • Unlimited deposits
  • 6 covered transactions allowed per statement cycle – each additional transaction $1.00*
  • Covered transactions/withdrawals include:
    Transfers or withdrawals made to another account of the same depositor at the same bank, if made by:
    - Preauthorized transfer
    - Automatic transfer
    - Telephone, including fax, or
    - M&P's Online or Mobile Banking services
    Transfers or withdrawals to a third party (or to an account of the customer at another bank), if made by:
    - Preauthorized transfer (ACH)
    - Automatic transfer
    - Telephone, including fax, or
    - M&P's Online or Mobile Banking services
    - Similar order made by the depositor and payable to third parties
    *Repeated violations of excessive covered transactions could result in the account being closed
  • Unlimited transfers can be made in person, by mail, or at any M&P ATM
  • Monthly statement with images
  • No service charge if balance remains above $2,500 ($10.00 charge per statement cycle if balance falls below $2,500 during the statement cycle). Service Charge WAIVED if receiving E-Statements or Direct Deposit or if overall deposit relationship is $25,000 or more
  • Free 24-Hour account access through Online Banking or 24-Hour Banking Anytime line
  • If account is closed within 90 days of opening, a $25.00 charge may apply before the account is closed


Overdraft Protection is available for E-Net, Advantage, and Advantage Plus accounts - Subject to Approval.

For more information regarding Overdraft Protection and our standard overdraft practices, please click here or contact any of our convenient locations.