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.

From simple to interest-bearing accounts, we focus on maximizing every hard-earned dollar in your account.

Features of All Checking Accounts

All 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 Switch Kit. We make switching banks convenient! Get started with our online Switch Kit.
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.
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 & Person to Person payments with Zelle®
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.

*Transfer limit, fee and 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

Choose the right checking account for you!

Once you know which account you want, click the online Deposit Account Application button to start the opening process.

Deposit Account Application

Rewards Checking

	Cash Back Rewards	Interest Rewards	Relationship 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 Interest Rewards, the more you save, the more you earn up to 0.10% APY.*	With Relationship Rewards, earn up to 0.10% APY on your balances when you have additional deposits or loans with us.*
Earnings Tiers	N/A	Tier 1: average daily balance is $25,000.00 or less will be 0.10% with 0.10% APY. Tier 2: An interest rate of 0.05% will be paid only for that portion of your average daily balance $25,000.01 or more resulting in an APY ranging from 0.10% to 0.06% depending on the account’s balance (assuming a maximum account balance of $100,000). If qualifications are not met 0.05% APY is paid on all balances.	Tier 1: average daily balance is $50,000.00 or less will be 0.10% with 0.10% APY. Tier 2: An interest rate of 0.05% will be paid for the portion of your average daily balance in that is $50,000.01 or more resulting in an APY ranging from 0.10% to 0.08% depending on the balance (assuming a maximum account balance of $100,000). If qualifications are not met 0.05% APY is paid on all balances.
Minimum to Open	$50	$50	$50
Reward Qualifications	▼ 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.	▼ Have at least 10 MB Debit Card point of sale purchases post and settle, AND ▼ Do one of the following that posts and settles: make a direct deposit, mobile deposit, ACH debit, or automatic Middlefield Bank loan payment.	▼ Maintain an average daily total deposit account balance of $50,000 or more in any combination of your personal MB Money Market, CD, or Savings accounts, OR ▼ Have an outstanding principal loan balance of $50,000 or more on your MB personal loans.
Earns Interest	No	Yes	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 $10.00 will apply any month qualifications are not met. ▼ Monthly Service Fee is waived for first statement cycle after account opening.	▼ A Monthly Service Fee of $15.00 will apply any month qualifications are not met. ▼ Monthly Service Fee is waived for 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 October 22nd, 2021.

Clean Slate Checking

Life Happens and sometimes you just need a fresh start! MB's Clean Slate Checking accounts can help you get back into a banking relationship, even if you've been turned down for a traditional checking account. Click here to request information on Clean Slate.

Clean Slate Checking & Clean Slate Basic

Account Overview

Interest Rewards

Relationship Rewards

Account Overview

▼ Open your account with $50 Minimum Deposit.

▼ No Minimum Monthly Balance Requirements.

▼ E-Statements Available at no charge.

Account Features

▼ Check Writing (not available for Clean Slate Basic).

▼ 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.

Graduation

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

Truth in Savings Clean Slate 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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