If you are age 18 or over, you will need a photo ID with a current address, your social security card, and $50 to open a checking account. If you do not have a photo ID with a current address, you will need to bring a utility or other bill showing a current address. If you are under age 18, you will need your social security card, a parent’s or guardian’s photo ID with a current address, their social security card, and $50 to open a checking account. Your parent or guardian must also be a signer and owner on the account.

Yes. Our EZChoice and Fusion accounts are free for students up to and including age 23, regardless of the balance you keep in your account. E-statements are required to avoid a paper statement fee.

Of course! Just let us know and we’ll ask you to sign a form to get them started. If your transfer is coming from an account with another bank into a checking with our bank, you’ll need to contact your other bank to get that set up. You can also schedule 1-time and recurring transfers in online banking.

If it’s been more than 15 business days, you should give us a call and let us know that your check order has not arrived.

If you are age 18 or over, you will need a photo ID with a current address, your social security card, and $50 to open a checking account. If you are under age 18, you will need your social security card, a parent’s or guardian’s photo ID with a current address, their social security card, and $50 to open a savings account. Your parent or guardian must also be a signer and owner on the account.

ATM cards are available with Savings Accounts. You can withdraw money at any of our ATMs for free. There is a $1.50 per transaction fee for using another bank’s ATM, in addition to fees that bank will also charge you for using their ATM.

Withdrawals and transfers made in person with a Teller or at an ATM are unlimited. Any automatic or pre-authorized transfers, including those made online or using mobile and telephone banking, are limited to 6 per statement cycle.

We transfer IRAs all the time for our customers! Just let us know that you would like to move or transfer your IRA to our bank and we’ll take care of the details.

Yes, you will lose 90 days interest for shorter-term CDs and 180 days interest for longer-term CDs when withdrawing early.

You can choose between any of our 12 month to 60 month CD terms with MCSB. Other non-FDIC insured investment options are available through Mid-America Financial Resources.

This is a great question. We monitor our interest rates every week. As a community bank, we do our best to maintain the most competitive interest rates for our deposits and loans. We may not always be the most competitive, but we work hard to offer the best interest rates. Interest rates are posted weekly in our lobby. You can also call to get our most current interest rates.

You can make your loan payments in the lobby, at the drive up, via online or mobile banker, or with automatic payments.

Check out our Home Loan Checklist.

Click Here

Yes, you can see your payoff for that day on Mobile Banker.

Yes, we refer to this as a consolidation loan. It’s a great way to simplify your payments and can also help with your monthly budget.

Yes, a refinance can save you money. It can lower your payments or allow you to take extra money that can be used for home improvements, travel or other needs.

With a Line of Credit, as you pay down your credit line, your balance is available for future needs. You simply write a check from your line of credit, whenever, and for whatever you need. You can also transfer money from your credit line using online and mobile banking. With a home equity loan, you’ll have a fixed payment for a fixed period of time.

Yes, and it simplifies the process of getting extra cash when you need it. Your credit line can be used for home improvements, vacations, a new lawnmower, an extra vehicle, school expenses, appliances, or any need. Instead of getting a loan every time you need money, you can simply access your existing home equity line of credit.

A USDA loan is a type of mortgage loan that is guaranteed by the U.S. Dept. of Agriculture.

USDA loans can finance a home purchase entirely, meaning borrowers are not required to pay a down payment.  The USDA charges a 1% guarantee fee rural development loans.  The USDA also allows financing up to 101% of the appraised value allowing borrowers to possibly include the guarantee fee as well as other closing costs depending upon the appraised value.

An applicant must meet the guidelines for monthly income, credit history and debt-to-income ratio. The property must also meet eligibility guidelines.

We currently require a minimum credit score of 640.  This does not guarantee eligibility for financing.  The USDA has other credit restrictions for applicants that have had foreclosure, bankruptcy, short sales or other serious financial hardships in the past.

Yes, each county has a different income threshold depending on the total household size.  These income thresholds apply to ALL parties in the household that have income not just the applicants for the loan.

Most importantly the USDA requires the property to be owner occupied as the principal dwelling.  The USDA does NOT allow for the property to be income producing.  Therefore NO farms, multi-family properties or properties with acreage in income producing programs (such as the conservation reserve program) are eligible.

USDA requires that the property pass inspection from the HUD Handbook 4000.1.  Any safety related issue such as structural, HVAC, electrical, plumbing, roof or WDO termite issue would need to be resolved prior to closing.

You can log into online banking from the home page of our website. You only need your User ID and Password.

Yes. Online banking is free.

Click here for a short and easy-to-follow video that will allow you to see what bill pay looks like and how it works. This video is very helpful. If you’ve watched the video and you are ready to get signed up and start paying bills online, click here. If you prefer talking with one of our Bankers, stop by and we will show you how bill pay works. We’ll even get you signed up. Bring a couple of bills with you and we’ll walk you through setting up your payment for those bills.

Yes; cardholders can register multiple cards within a single My Cards section of the MyBank2Go app. Additional cards can be added within the “Cards” screen.

Each person who registers a card will have access to controls and alerts for the card. In many cases, the child will not know about the controls unless the parent shares the information.

If the card number is new, then the user must “add” the new card number to the user’s profile.

The My Location controls and alerts will check to ensure the merchant location is within a five (5) mile radius of the device set as “primary” within My Cards. These controls impact “card present” transactions only, therefore internet transactions are not impacted

Yes, International transactions can be blocked using the “International” location control. Transactions will be limited to the United States.

Yes. When the card is “on,” transactions are allowed in accordance with each cardholder’s usage control settings. When the card is “off,” no purchases or withdrawals are approved until the card is turned back “on.” This control can be used to disable a lost or stolen card.

Alerts can be set up from Online Banking or Mobile Banking.

Yes. You can set a “do not disturb” timeframe. Any alerts generated during that time will be sent after the “do not disturb” time frame ends.

Set up alerts in Online Banking as text messages, emails, and messages to your Online Banking secure inbox.  From the Alerts tab, choose your contact options, set a Do Not Disturb timeframe, and pick your alerts.  You can also set up alert notifications in our Mobile Banking App. Once logged in, click on More and then Alerts.

We do not charge for alerts. Standard text message rates apply.

Yes. Log on to Online Banking and click on the Alerts tab, and then Sent Alerts. It displays a list of your alerts with the details. You can mark as read or delete past alerts from here. You can also view your past alerts from our Mobile Banking App.

Search for MyBank2Go in the App Store or Google Play.  Download the app and enroll from the app.

If your smartphone, tablet or laptop is lost or stolen, it’s unlikely that someone could access your banking account information unless they also know your Online Banking user name and password.

No.  You can sign-up for Mobile Banking on the app.  Once signed up, your username and password works on both Mobile and Online Banking.

You will be able to access all of your accounts from your mobile app.

Yes.

Mobile Deposit, available through our Mobile Banking App, lets you make a deposit from your smartphone by taking a picture of your check.  You can sign-up for Mobile Banking on the app. Search for MyBank2Go in the App Store or Google Play.  Once signed up, your username and password works on both Mobile and Online Banking.

Yes. You can deposit $1500 per item and $2500.00 per day from the app.

You can deposit checks payable in U.S. dollars, including personal, business, and government checks. They must also be payable to, and endorsed by the account holder.

Deposits made before 4:00 pm will be posted on that same day’s business and are available for checks clearing on your account.  You won’t see your deposit posted to your account in Online or Mobile Banking until the next day.  Funds will be available for withdrawal within 1 to 2 business days.

You can properly dispose of the check once you see the deposit in Online or Mobile Banking.

We do not charge for mobile deposits.

Yes. Bank-to-Bank Transfers can be set up for one-time, recurring, instant or future-dated transfers.

You can transfer money from external accounts at other banks to make loan payments at our bank.
You cannot make loan payments at other banks with Transfer Now.

You can transfer funds in and out of checking, savings, brokerage and money market accounts, to and from different financial institutions.

You can use your debit card for purchases anywhere MasterCard is accepted.

Yes. Call 800-992-3808 to change your PIN to something that you prefer.

Call 800-992-3808 to change your PIN.

Yes. You are limited to $300 per day at ATMs, and $600 per day for purchases. Give us a call if you need these limits adjusted.

No. In this situation, your transaction will be declined.

Call us immediately. If we are not open, call 800-472-3272. The best way to minimize unauthorized use of your debit card is to call immediately after discovering your debit card is lost. If you are using the MyBank2Go App, log into the App and turn your Debit Card off inside the My Cards section.

No. You will not be able to use your debit card after it has been hotcarded. If your debit card has been lost or stolen and you have brought that to our attention, we will immediately hotcard your debit card. Once your debit card has been hotcarded, it can’t be used by somebody else. If your debit card has been hotcarded, we will order you a new debit card. It will take up to 14 days before you receive a new debit card.

We do not charge any fees when you use your card to pay for purchases. If you use your card at another bank’s ATM, you will be charged by that bank (typically $2 to $3) and by Marion County Savings Bank ($1.50).

Call 1-855-EZBANKER (1-855-392-2653), tollfree, & Select Option 2 for New User Instructions. After you set up a four-digit Personal Identification Number, you can start using the system for transfers and to check balances and make loan payments. You’ll need your account numbers handy to make transfers and loan payments.

A Municipal Lease is a simple, cost-effective way to finance 100% of your equipment cost. You’ll lock into a fixed rate and set payment that will not change, simplifying your budget. A lease is a full payout contract, with no surprises at the end of the lease. The interest from the lease is tax-exempt. This tax-exempt savings gets passed on to the municipality in the form of a lower interest rate. Leases are quick and easy to finalize!

Counties, Cities, Villages, Colleges, Police & Fire Departments, Ambulances, School Districts, Hospitals, and other Municipal Districts

Finance equipment needs including printers, copiers, backhoes, tractors, computers, appliances, etc. A lease allows you to purchase needed equipment now, without waiting for your next budget for approval.

Equipment can be financed for a term that matches the useful life of the equipment. 100% of the equipment cost, including costs for delivery and installation, can be included in the financing. Payments can be structured monthly, quarterly, semi-annually, or annually.

Municipal Leases offer several benefits including no required down payment, no required voter approval, low up-front cost, low interest rate, and easy to finalize.

No. The lease can be paid off at any point prior to the lease maturity date without prepayment penalties.

A: An eStatement is an electronic version of your paper statement. An eNotice is an electronic version of your paper notices. At MCSB, eStatements and eNotices are automatically available as part of our online banking service. They are available at the same frequency as your previously-mailed statements and notices.

A: If you are signed up for Online banking, you can automatically view your eStatements and eNotices for your Marion County Savings Bank accounts. There is no additional sign-up required to be able to see your eStatements and eNotices. You can view, print, or save your electronic statements and notices… Here’s how!

1. Log into online banking using your Access ID and Password (click here to go to the home page and log in right now)
2. Click on the Document tab from any account screen
3. To see an electronic version of your checking statement, choose your checking account and choose Checking Statement from the Document Type dropdown menu, select a date range, and click submit.
4. Click to print or save an electronic copy of your statement.

A: Yes, eStatements are available for all your MCSB accounts, including your Checking, Savings, Money Market, CD, IRA, and Loan accounts. In some cases, for example with a loan account, a closing statement may be the only statement that is available. Yes, eNotices are available with all your MCSB accounts. Some notices may not be available in electronic format. You have the option to sign up for eStatements and eNotices or just eStatements only.

A: You can sign up to receive an email notification when your most current eStatements and eNotices become available to view, print, or save through online banking. When you sign up for email notification, you will no longer receive your paper statements in the mail. The email notification will come from edelivery@marioncountysavings.com. 

A: For starters, you have to be signed up for online banking to see your statements and notices online. You can sign up in Online Banking.

Sign up within online banking – From within online banking, choose the Options tab. Then, scroll down to the bottom of the page. You’ll see an eStatement Enrollment Header. Click on “Edit” and a prompt will appear. You simply check the accounts you want to enroll, confirm your email address, read the MCSB Electronic Document User Agreement and Disclosure, and click Accept.

A: You will receive an email within 24 hours of the end of your statement date.

A: For most customers, they simply like the idea of less clutter sitting in the mailbox and around the house. They also like that email notification is quicker than waiting on their statement to be prepared and mailed through the U.S. Postal Service. And, email can be accessed from wherever you have access to your email account. Customers that like technology typically prefer to manage their paperwork using electronic options. Many customers like to receive email versus physical mail. They also like the ability to view their information on a computer and to save their account information on a CD or their computer’s hard drive. Storing account information this way takes up less space and is easier to find in the event they need to research a past account statement. Many consumers today are concerned about the environment. They are taking steps that save paper, conserve more energy, and reduce greenhouse gas emissions. Many customers also like knowing that their personal information is not sitting in their mailbox. There is less chance for mail fraud and identity theft if your personal information is not easily accessible to others.

A: You need a computer with Internet access, an email account, and Adobe Acrobat Reader. Your email notification contains a link making it easy to download this free software. This software is available at http://get.adobe.com/reader/

A: We do not send your actual statements or notices through email. We are only emailing you a reminder when your eStatements and eNotices are available for you to view through online banking. The email will include a link to our website and simple instructions for where to find this information in online banking. You will need to log into online banking where your account information is protected by 128-bit encryption technology.

A: The email reminder will replace the paper statements and notices you receive in the physical mail. You will no longer receive paper statements and/or notices in the physical mail.

A: Yes, you will be able to view images of the front of your checks when you select the Checking Stmts (with Images) Document Type. You can view images of the front and back of your checks in another section of online banking. To do this from your checking account page, click on the check number to view the front and back of a check on your statement.

A: Your eStatements and eNotices will be available for 18 months and will be immediately available once you are signed up for online banking.

A: This service is free! Your statements and notices are always available to our online customers. There is no charge to sign up for an email notification letting you know when your most current statements and notices are available to view online.

A: Email support@marioncountysavings.com. Or call 618-548-3440 during regular business hours. You can also contact the bank by regular mail at Marion County Savings Bank, 301 W Main Street, Salem, IL 62881.

A: You can change your email address at any time. After signing into online banking, from any account page, click on the Options tab. In the “E-Mail” header, click on “Edit” and follow the simple steps to change your email address.

A: Yes, we are available to take care of your needs. Copies can be requested at any time. Fees may apply.

A: This service can be cancelled at any time. You will need to contact the bank and request cancellation.