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Beachwood Office (888) 801-1666 Open Geo Locator

Your Preferred Branch

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25201 Chagrin Boulevard
Suite 120
Beachwood, OH 44122

Phone: (216) 359-5580
Fax: (216) 359-5581

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  • Ada Office
    118 South Main Street P.O. Box 135 - Ada

  • Ada ATM (Non-Branch)
    525 S Main Street - Ada

  • Beachwood Office
    25201 Chagrin Boulevard, Suite 120 - Beachwood

  • Bellefontaine North Office
    1120 North Main Street P.O. Box 849 - Bellefontaine

  • Bellefontaine South Office
    1454 South Main Street P.O. Box 670 - Bellefontaine

  • Chardon Office
    348 Center Street P.O Box 1078 - Chardon

  • Cortland Office
    3450 Niles-Cortland Road - Cortland

  • Dublin Office
    6215 Perimeter Drive - Dublin

  • Garrettsville Office
    8058 State Street - Garrettsville

  • Kenton Office
    100 East Franklin Street P.O. Box 234 - Kenton

  • Lake County Loan Production Office
    8373 Mentor Avenue - Mentor

  • Mantua Office
    10691 Main Street P.O. Box 648 - Mantua

  • Marysville Office
    160 Coleman's Crossing Blvd. - Marysville

  • Middlefield - Main Branch Office
    15985 East High Street, P.O. Box 35 - Middlefield

  • Middlefield - West Branch Office
    15545 West High Street. P.O. Box 35 - Middlefield

  • Newbury Office
    11110 Kinsman Road, P.O. Box 208 - Newbury

  • Orwell Office
    30 South Maple Street, P.O. Box 66 - Orwell

  • Plain City Office
    490 South Jefferson Avenue - Plain City

  • Powell Office
    10628 Sawmill Parkway - Powell

  • Solon Office
    6134 Kruse Drive - Solon

  • Sunbury Office
    492 West Cherry Street - Sunbury

  • Twinsburg Office
    2351 Edison Boulevard, P.O. Box 560 - Twinsburg

  • Westerville Office
    17 North State Street - Westerville

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Checking Accounts

Home Personal Checking

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.  If you're ready to open an Individual or Joint Account now, you can do so in minutes with MB's Digital Account Opening process--get started here!

Open Online Today

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.

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Digital Account Opening


Open Your Account Today

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Open Your Account Today

Check Reorder

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

Reorder Checks Here

Secure Rewards Checking Account

Middlefield Bank Secure Rewards Checking

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 RewardsSmart Rewards


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.*





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




Reward Qualifications and Benefits

▼ Spend a total of $500 or more in MB Debit Card point of sale purchases that post and settle,



▼ 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

▼ Have at least 15 MB Debit Card point of sale purchases post and settle,


▼ 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.


▼ 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





ATM Refunds

N/AUp 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 May 27th, 2024.


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

Account FeaturesFees


▼ 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).

▼ 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.

▼ 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 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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Family in home

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