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Account Comparison Chart

McFarland State Bank's Lineup of Checking Accounts for those under age 50:

McFarland State Bank has many options for Checking Accounts. We have an account to fit your lifestyle. Every McFarland State Bank account is loaded with features and options that will make your banking experience simple.

You will certainly be pleased with our hands-on attention and friendly service.

Service Free Checking Interest Checking Gold Checking
Unlimited Checking Yes Yes Yes
Minimum Balance Requirement $0 $1000 $0
Fall Below Service Charge $0 $10 $0
Interest Paid No Yes No
No-Fee Checks No No Yes
No-Fee Online Banking/Bill Pay Yes/No Yes/No Yes/Yes
No-Fee ATM/Debit Card Yes Yes Yes
Discounted Safe Deposit Box No No Yes
Additional Features     * No-Fee Traveler's Checks
* $15,000 Travel Accident Insurance
* Travel & Hotel Discounts
* Recreation Discounts
* Payment Card Protection
* Identity Theft Protection
* Dining & Movie Discounts and more…see below
Monthly Membership Fee $0 $0 $6.50
Bonus Banking Addition
(Get more info...)
$4 $4  

 

No-Fee Checking


Interest Checking

Gold Checking

Our customers enjoy all these great values for just $6.50 each month!

With Gold Checking you will receive the following services and benefits without even asking - it's our way of delivering the best service for the best account!

  • Unlimited Checking
    Your Gold Checking account includes unlimited checking, with no minimum balance requirements and no per-check charges.
     
  • No-Fee Checks
    Receive your personalized Gold Checking member checks at no additional cost as long as you are a member of the program. Limit one box per order.
     
  • Overdraft Protection
    Overdraft Protection available, (subject to credit approval)
     
  • Discounts on Loans
    Receive discounts on loan rates when you sign up for an automatic deduction from a McFarland State Bank account.
     
  • Discounted Safe Deposit Box
    Keep your valuables safe and secure.
     
  • No-Fee Internet Banking with Bill Pay
    You’ll enjoy the convenience of Internet Banking with Bill Pay service to handle all your monthly payments…with access from anywhere you have an Internet connection. You’ll save time, money, and trips to the post office!
     
  • No-Fee ATM/Check Card
    Our ATM/Check Card offers you the convenience of debits to your account. You won’t have to worry about being short of cash.
     
  • No-Fee Traveler’s Checks
    Just stop by the bank before you travel, and we’ll provide these at no charge.
     
  • Direct Deposit
    Gold Checking offers you the convenience of Direct Deposit, which saves you trips to the bank while giving you the peace of mind of knowing that your money has been deposited.
  • Check Safekeeping
    No need to store checks any more with McFarland State Bank’s check safekeeping service.
     
  • Telebank
    You can access your accounts 24 hours a day, 7 days a week by calling 1-888-233-2265. It’s easy and convenient.
     
  • Payment Card & Identity Theft Protection
    If you ever lose a registered credit, ATM, or check card, simply call our 24-hour toll-free number, and all your card issuers will be notified for you. Should you become an identity theft victim, you’re eligible for reimbursement of up to $1,000 in direct costs associated with recovering your identity.
     
  • $15,000 Travel Accident Insurance
    You’re automatically protected with $15,000 in Travel Accident Insurance.
     
  • Local & National Dining Savings
    Enjoy savings of up to 50% at hundreds of dining establishments ranging from upscale restaurants to casual family eateries. Visit www.memberheadquarters.com to access affordable dining at nationwide establishments or locations nearby.
     
  • Travel, Hotel & Golf Discounts
    Save up to 50% at over 15,000 hotels in popular destinations worldwide. Enjoy easy online access to discounts at properties such as Hilton, Sheraton, Radisson, Residence Inn by Marriott, Holiday Inn, Ramada, and more! In addition, you’ll enjoy savings of up to 50% on golf courses and golf vacations throughout the U.S., Canada, and international destinations.
     
  • Car Rental Discounts
    You’ll enjoy savings of 10-25% on car and RV rentals. Participating providers include Alamo, Avis, Budget, National, and Cruise America. Simply visit www.memberheadquarters.com .
     
  • Discounts on Movie Tickets
    Receive discounts on tickets to movies playing in a theater near you.
     
  • Condo Discounts
    Receive discounts on your stay at selected condominiums.
     
  • Ski and Snowboard Discounts
    Receive discounts from selected merchants.
     
  • EZ Account Switch Kit
     
  • Apply Now

Our Gold Checking customers enjoy all these great values for just $6.50 each month!



Bonus Banking

Bonus Banking is a package of additional benefits that you can add to your Free Checking or Interest Checking account for just $4 per month. It includes:

  • Free Internet and Bill Pay
    You’ll enjoy the convenience of Internet Banking with Bill Pay service to handle all your monthly payments…with access from anywhere you have an Internet connection. You’ll save time, money, and trips to the post office!
     
  • No-Fee ATM/Check Card
    You’ll enjoy the convenience of our ATM/Check Card.
     
  • Travel, Hotel, Condo, & Golf Discounts
    Save up to 50% at over 15,000 hotels in popular destinations worldwide. Enjoy easy online access to discounts at properties such as Hilton, Sheraton, Radisson, Residence Inn by Marriott, Holiday Inn, Ramada, and more! You can also save at selected condominiums for more spacious accommodations. In addition, you’ll enjoy savings of up to 50% at over 2,000 golf courses and golf vacation packages throughout the U.S., Canada, and international destinations.
     
  • No-Fee Checks
    Receive your personalized wallet style checks at no additional cost as long as you are a member of the program. Limit one box per order.
     
  • Car Rental Discounts
    Members enjoy savings of 10-25% on car and RV rentals. Participating providers include Alamo, Avis, Budget, National, and Cruise America. Members simply visit www.memberheadquarters.com to search for savings quickly and easily.
     
  • Local and National Dining Savings
    Enjoy savings of up to 50% at hundreds of dining establishments ranging from upscale restaurants to casual family eateries. Visit www.memberheadquarters.com to access affordable dining at nationwide establishments or locations nearby.
     
  • Payment Card and Identity Theft Protection
    If you ever lose a registered credit, ATM or check card, simply call our 24-hour toll-free number, and all your card issuers will be notified for you. You’ll get identity theft prevention tips and other pertinent information about how to protect yourself, and should you become an identity theft victim, you’re eligible for reimbursement of up to $1,000 in direct costs associated with recovering your identity.
     
  • Ski and Snowboard Discounts
    Save at selected merchants.
     
  • $5,000 Travel Accident Insurance
    You’re automatically protected with $5,000 in Travel Accident Insurance.
     
  • Discounts on Movie Tickets
    Receive discounts on tickets to movies playing in a theater near you. Estimated annual value $20!

Joining is Easy

Stop by McFarland State Bank to learn more. We’ll answer any question you may have, and open an account that fits your lifestyle.

24 Hour Access

You can access your accounts 24 hours a day, 7 days a week by calling 1-888-233-2265. It’s easy and convenient.

Access to your benefits

As a member of McFarland State Bank’s Gold Checking Account, Bonus Banking Account, Gold 50 or 50 Plus, you’ll receive a special membership card with your personal member number. Carry it with you at all times. Once you sign up, your membership card will allow you to access your benefits 24 hours a day, 7 days a week. Just click here and enter the membership number on the front of your card. It’s easy! Or call toll-free 1-877-227-3123.

Satisfaction Guaranteed

Open a new McFarland State Bank checking account today. If you are not completely satisfied in 30 days, we will happily switch you to another account that better suits your needs. We will also refund your membership fees, no questions asked.

Add this package of benefits to our Free or Interest Checking accounts for just $4 per month. If you enjoy Free Checking or Interest Checking, you can add Bonus Banking to your account. Contact a McFarland State Bank customer service representative to sign you up today!



Gold 50 Checking
  • Free Checking with No Minimum Balance
    Your Gold 50 Checking Account includes unlimited checking, with no per-check charges…and no minimum balance requirements.
      
  • Interest on Checking
    Receive interest on daily collected balances over $1,000.
     
  • Free Checks
    Receive your personalized Golf Checking member checks at no additional cost as long as you are a member of the program. Limit one box per order.
     
  • Free Internet Banking
    You can enjoy the convenience of Internet Banking with access from anywhere you have an Internet connection.
     
  • No-Fee ATM/Debit Card
    Our ATM/Debit Card offers you the convenience of debits to your account. With our ATM/Debit Card, you won’t have to worry about being short of cash.
     
  • Direct Deposit
    Gold 50 offers you the convenience of Direct Deposit, which saves you trips to the bank while giving you the peace of mind of knowing that your money has been deposited.
     
  • Check Safekeeping
    No need to store checks any more with McFarland State Bank’s check safekeeping service.
     
  • Telebank
    You can access your accounts 24 hours a day, 7 days a week by calling 1-888-233-2265. It’s easy and convenient.
     
  • Discounts on Loans
    Receive discounts on loan rates when you sign up for an automatic deduction from a McFarland State Bank account.
     
  • Payment Card Protection
    If you ever lose a registered credit, ATM, or check card, simply call our 24-hour toll-free number, and all your card issuers will be notified for you.
     
  • Identity Theft Protection
    You’ll get pertinent information about how to protect yourself, and you’re eligible for reimbursement of up to $1,000 in direct costs associated with identity theft recovery.
     
  • $5,000 Travel Accident Insurance
    You’re automatically protected with $5,000 in Travel Accident Insurance.
     
  • Overdraft Protection
    Your checking account may be eligible for Overdraft Protection up to $1,000.
     
  • Local & National Dining Savings
    Enjoy savings of up to 50% at hundreds of dining establishments ranging from upscale restaurants to casual family eateries for catering, take-out, and delivery. Just visit www.memberheadquarters.com to access affordable dining at nationwide establishments or locations nearby.
     
  • Travel, Hotel, Condo, & Golf Discounts
    Save up to 50% at over 15,000 hotels in popular destinations worldwide. Enjoy easy online access to discounts at properties such as Hilton, Sheraton, Radisson, Residence Inn by Marriott, Holiday Inn, Ramada, and more! You can also save at selected condominiums for more spacious accommodations. In addition, you’ll enjoy savings of up to 50% at over 2,000 golf courses and golf vacation packages throughout the U.S., Canada, and international destinations.
     
  • Car Rental Discounts
    You’ll enjoy savings of 10-25% on car and RV rentals. Participating providers include Alamo, Avis, Budget, National, and Cruise America. Simply visit www.memberheadquarters.com to search for online savings quickly and easily.
     
  • Discounts on Movie Tickets
    Receive discounts on tickets to movies playing in a theater near you.
     
  • Ski and Snowboard Discounts
    Save at selected merchants.
     
  • EZ Account Switch Kit
     
  • Apply Now

Our Gold 50 Checking Account is free to our customers 50 and over. And you can add the benefits of Gold 50 Plus for just $4 per month - see details below.



Gold 50 Plus Checking

Receive all the benefits of Gold 50 Checking, plus these additional services:

  • No-Fee Bill Pay
    You’ll enjoy the convenience of Internet Banking with Bill Pay service to handle all your monthly payments…with access from anywhere you have an Internet connection. You’ll save time, money, and trips to the post office!
     
  • No-Fee Traveler’s Checks
    Just stop by the bank before you travel, and we’ll provide these at no charge.
    You’re automatically protected with $25,000 in Travel Accident Insurance.
     
  • Emergency Travel Assistance Services
    Travel with the peace of mind that assistance is as close as a phone call if you need emergency cash or assistance with lost or stolen luggage or travel documents.
     
  • Pharmacy Savings Program
    Enjoy significant savings at local and mail order pharmacies with your Discount Card. Save up to 50% on prescription drugs at over 56,000 participating pharmacies!
     
  • Vision Savings Program
    Experience savings of up to 20-60% on eyeglasses and contact lenses, and up to 30% savings on medical eye exams and surgical procedures, including LASIK.
     
  • Hearing Savings Program
    Save 15% on over 70 models of hearing aids through a nationwide network of hearing care offices. Purchases are backed by the BelCare™ program, which includes free inspections, cleanings, and adjustment.
     
  • $15,000 Travel Accident Insurance
    You’re automatically protected with $15,000 in Travel Accident Insurance.

You’ll receive all these benefits for just $4 per month!

  • 24-Hour Access
    You can access your accounts 24 hours a day, 7 days a week by calling 1-888-233-2265. It’s easy and convenient.
     
    We are pleased to offer the convenience of access to benefits and services through this website. Sign in and pay bills, check balances, transfer funds, and do a number of banking activities without leaving your computer. It’s easy and convenient. Try it today!
     
  • Access to Your Benefits
    As a member of Gold 50 or Gold 50 Plus Checking, you will receive a special membership card with your personal membership number. Carry it with you at all times.
     
    Once you sign up, your membership card will allow you to access all your benefits 24 hours a day, 7 days a week. Click here and enter the membership number on the front of your card. It’s easy!
     
  • Satisfaction Guaranteed
    Give Gold 50 or Gold 50 Plus a try today. If you are not completely satisfied in 30 days, we will happily switch you to another account that better suits your needs. We will also refund your membership fees, no questions asked.
     
  • EZ Account Switch Kit
     
  • Apply Now


Statement Savings
  • Unlimited in-person deposit and withdrawal privileges. Withdrawals in excess of 6 per month will be charged a transaction fee. Please contact us to verify the transaction fee at the present time.
  • 24 Hour access available through ATM’s, Phone Banking, or Internet Banking.
  • Interest on your funds accrues daily and pays quarterly.
  • There is no maintenance fee on the account when an average balance of $200 per calendar quarter is maintained.
  • All fees are waived for minors.
  • EZ Account Switch Kit
  • Apply Now


Money Market Account
  • Unlimited in-person deposit privileges.
  • 24 Hour access available through ATM’s, Phone Banking or Internet Banking.
  • Earn a high money market rate and avoid fees by maintaining a $2,500 or greater balance.
  • EZ Account Switch Kit
  • Apply Now


Are You or Your Organization Looking for FDIC Insurance on deposits exceeding $100,000 and desire the convenience of working with one bank?

Welcome to CDARS !

As a CDARS member, McFarland State Bank is able to offer the full protection of FDIC insurance on Certificates of Deposit up to $30 million through just one depository account!

Prior to CDARS, deposits in excess of $100,000 had to be spread out at different financial institutions or titled differently in order to be fully insured by the FDIC. Now with CDARS, you sign just one deposit agreement with McFarland State Bank and still have full insurance protection, up to $30 million. That means you have just one account number, one interest rate and one statement to manage!

If you'd like to learn more, please contact one of our Personal Bankers today at 608.838.3141.

CDARS: a perfect blend of security and convenience.

One Bank. One Rate. One Statement.

Certificates of Deposit
  • Terms ranging from 30 days to 5 years.
  • Competitive rates.
  • Low minimum balance requirements.
  • Convenient automatic renewal.
  • Compound your interest payments for the highest yield or have it directly deposited to another account with McFarland State Bank.
  • Index Powered CD
    The Index Powered CD combines the power of the market and the security of the bank. Unlike traditional certificates of deposit, which generally provide a fixed rate of return, the Index Powered CD is tied to the performance of the Standard & Poor’s 500 Index (S&P 500®), and therefore has the potential to far outperform traditional fixed income investments. However, like traditional certificates of deposit, your return of principal is guaranteed by your bank and protected by FDIC insurance up to $100,000.
     
    “Standard & Poor’s”, “S&P”, “S&P 500”, “Standard & Poor’s 500”, and “500” are trademarks of The McGraw-Hill Companies, Inc. and have been licensed for use by McFarland State Bank. “The Product is not sponsored, endorsed, sold, or promoted by Standard & Poor’s and Standard and Poor’s makes no representation regarding the advisability of investing in the product.” “Index Powered” is a registered trademark of Index Powered Financial Services, LLC.

    Penalty for early withdrawal of investment principal.
     
  • EZ Account Switch Kit
  • Apply Now



IRAs

Are you tired of your retirement savings becoming less and less?

Then consider a ROTH IRA or one of the other investment alternatives here at McFarland State Bank.

You can take advantage of the new tax laws AND have the peace of mind knowing your retirement funds are safe and secure
                                    … Increasing
                                           … Not decreasing.

Contact us about the many options on terms and rates that are available.


EZ Account Switch Kit
  • Click here to download the Switch Kit Application. Complete the form and bring it in to our office.

*To view the application, you must have Adobe Acrobat Reader installed on your computer. If you don't have Acrobat Reader you may click here to download it for free.

 


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