Checking Accounts

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Simple is Powerful

Accounts built for life.

Simplify Checking

Your checking account is the foundation of your financial life.

That’s why we’ve designed all of our accounts to fit with various phases of your life.

Features of MB Checking Accounts

Many of our checking accounts come with access to the following convenient services.

ATM and Debit Cards. Make online or in-person purchases easily, and access cash easily when you need it.
Online & Mobile Banking. Stay on top of your checking account balances from home or wherever you go!
E-Banking Services – e-Statements, Bill Pay, mobile check deposit.
Zelle® Person to Person payments.
Overdraft Protection*. Link your checking account to a savings account or line of credit to eliminate accidental overdrafts.
Direct Deposit. Have your paycheck deposited directly to your checking account on payday.
MB Card Secure Debit Card Management App, allows you to control your card, turn off/on and more.
Digital Wallet. Add your debit card to your Apple Pay®, Samsung Pay®, or Google Pay® to make on and offline purchases.
Text Alerts (Notifi) Real time alerts for account activity.
MoneyPass ATM Network Use your ATM Card surcharge-free on the MoneyPass ATM network with over 40,000 locations across the country.

*Annual credit line fees apply. Subject to credit approval.

Check Reorder

Have you recently run out of checks? Click this link to reorder a new set:

Reorder Checks Here

Secure Rewards Checking Account

Security and Savings Have Never Been This Simple!

Secure Rewards Checking makes it simple to keep your finances safer and take advantage of smart discounts on financial services and everyday purchases. Click Go to Benefits to enroll or access your benefits as a current Secure Rewards Account Holder (external link).

Learn More Go to Benefits

Rewards Checking

	Cash Back Rewards	Secure Rewards	Smart Rewards
Overview	With Cash Back Rewards, you can earn up to $180/year. You don’t have to worry where you’re spending or what you’re spending it on.	With Secure Rewards, you get security and savings made simple.	With Smart Rewards, earn more when you have more with us, up to 0.50% APY.*
Earnings Tiers	N/A	N/A	Tier 1: If your average daily balance is $25,000.00 or less, the interest rate paid on the balance up to $25,000 will be 0.50% with an annual percentage yield (APY) of 0.50%. Tier 2: An interest rate of 0.35% will be paid only for that portion of your average daily balance $25,000.01 or more resulting in an APY ranging from 0.50% to 0.39% depending on the account's balance (assuming a maximum account balance of $100,000.) If qualifications are not met 0.35% APY is paid on all balances.
Minimum to Open	$50	$50	$50
Reward Qualifications and Benefits	▼ Spend a total of $500 or more in MB Debit Card point of sale purchases that post and settle, AND ▼ Do one of the following that post and settle: make a direct deposit, mobile deposit, ACH debit, or automatic Middlefield Bank loan payment.	Secure Rewards Benefits: ▼ Identity Protection ▼ Cell Phone Protection ▼ Debit Advantage ▼ Roadside Assistance Service ▼ Travel and Leisure Discounts ▼ Health Discount Savings ▼ Plus Financial Services including $100 off origination fees for MB Consumer Installment Loans. ▼ For complete details about Secure Rewards visit middlefieldbank.bank/secure.	▼ Have at least 15 MB Debit Card point of sale purchases post and settle, OR ▼ Maintain an average daily total account balance of $50,000 or more in any combination of your personal MB Money Market, Savings, or Certificate of Deposits Accounts. AND ▼ Do one of the following that posts and settles: make a direct deposit, mobile deposit, ACH debit, or automatic Middlefield Bank loan payment.
Earns Interest	No	No	Yes
ATM Refunds	N/A	Up to $15/month when reward qualifications are met.	Up to $15/month when reward qualifications are met.
Fees (If above qualifications not met)	▼If qualifications are not met, no monthly service fee will apply.	▼ A Monthly Service Fee of $5.95 will apply. ($3.95 for Seniors 62+, and Students 16-24.)	▼ A Monthly Service Fee of $5.00 will apply any month qualifications are not met. ▼ Monthly Service Fee is waived for the first statement cycle after account opening.

Truth in Savings Rewards Checking Disclosures (PDF)

*At our discretion, we may change the interest rate and annual percentage yield at any time including after opening a savings, checking, and IRA savings accounts. Account fees could reduce the earnings on the account. Rates are current as of July 13th, 2025.

Simple Checking

Life Happens and sometimes you just need a fresh start! MB's Simple Checking accounts can help you get back into a banking relationship, even if you've been turned down for a traditional checking account. Ready to start? Reach out to our Team about Simple Checking.

Simple

Checking

Account Overview

Account Features

Fees

▼ Open your account with $50 Minimum Deposit.

▼ No Minimum Monthly Balance Requirements.

▼ E-Statements Available at no charge.

▼ Eligible to graduate to a traditional checking account. (see disclosures below).

▼ Debit Card with Digital Wallet Capabilities (Use your Debit card to make purchases through Apple Pay®, Google Pay®, and Samsung Pay®).

▼ ATM surcharge free at MB ATMs.

▼ Online/Mobile Banking.

▼ Monthly Service Fee is $9.95. Receive a $2.00 credit with a monthly direct deposit. Monthly Service Fee waived for first statement cycle.

Truth in Savings Simple Checking Disclosures (PDF)

Money Market Account

Diversify your money, earn a great rate and keep it accessible in this limited activity account.

View our latest rates here.

Business Loans
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