MNB Personal Banking

24 Hour Banking

There are various ways to access Millbury National Bank 24 hours per day, every day of the week.

Local ATM's

Millbury Main Office
Drive-Up ATM
24 hour access
18 Main Street
Millbury, MA 01527

Grafton Branch
Walk-Up ATM
24 hour secure access
215 Worcester Street
North Grafton, MA 01536

SUM/Plus/NYCE/Fastbank/Cirrus

Millbury National Bank ATM's are a member of the SUM, Plus, NYCE, Fastbank, and Cirrus networks. You can access any ATM machine within these networks worldwide. Transactions at Millbury National Bank ATM machines are always free. ATM transactions at SUM, Plus, NYCE, Fastbank, or Cirrus may be subject to charges and/or surcharges.

Click here to download an ATM Application

Telephone Banking

It's fast and it's easy. You can obtain current Millbury National Bank balances, see what checks have been paid, make loan payments and even transfer money between your Millbury National Bank accounts. It's convenient for you whether you're working at home or relaxing away on vacation. You can bank where ever there's a phone at 1-800-617-5564.

Internet Banking

Take advantage of 24 hour banking in the comfort of you own home. You can inquire on balances, review account activity, and initiate transfers between Millbury National Bank accounts.

Click here to download an Internet Banking Sign-Up Form

Bill Pay

Imagine being able to pay your bills anytime you want - conveniently, safely and efficiently without the hassles of writing checks and addressing envelopes. Let us introduce you to Bill Pay, the newest way to manage your monthly finances, 24 hours a day, 7 days a week!

Checking Accounts

First Mate Checking

If you have minimal activity and are interested in a checking account with no service charges, this is the account for you. You pay no monthly service charge and have a limit of 20 checks paid per statement cycle. There is a .25 cent charge for each check paid after the twentieth. You have 4 free telephone banking transactions per statement cycle. There is a $1.00 charge for each telephone transaction after the fourth transaction per statement cycle.

Captain Checking

By combining your deposit balances, this account allows you unlimited transactions without a monthly service charge. By maintaining a combined daily balance of $1,500 in any deposit account, you pay no monthly service charge, have unlimited check writing privileges, unlimited telephone banking, and free access to internet banking. If your combined daily balance falls below $1,500, there is a $10.00 monthly service charge.

Admiral Now Checking

You pay no monthly service charge fee for a Admiral Now Checking account and have unlimited check writing privileges when you maintain a minimum daily combined balance of $2,500.00. If your daily combined balance falls below $2,500.00, there is a monthly $15.00 service charge fee. Admiral Now accounts earn interest monthly on balances of $2,500.00 and over. Balances that fall below $2,500.00 earn no interest. You have unlimited telephone banking transactions. Internet banking is free of charge. You are eligible for a free small safe deposit box and free one signer Travelers cheques.

Click here to download a Stop Payment Form

Money Market Accounts

Money Market Accounts pay you higher interest for higher account balances. These accounts are ideal for people who want competitive interest rates and need only limited access to their funds. Money Market Accounts have limited check writing privileges. A minimum daily balance of $500 needs to be maintained to avoid a monthly service charge. Call for tiered interest rates.

Debit Cards

Enjoy a whole new level of banking and shopping convenience. Pay for your purchases without carrying cash or writing checks. Make purchases at retailers where ever you can use MasterCard. Purchase amounts are deducted directly from your Millbury National Bank checking account or NOW account. At the same time, have quick and easy access to your Millbury National Bank accounts 24 hours a day. To report a lost or stolen ATM/Debit Card during non banking hours, please call 1-800-554-8969.

Click here to download a MasterMoney Debit Card Application

Savings Accounts

Statement Savings Accounts

Statement Savings Accounts pay interest which is posted quarterly and compounded quarterly. You must maintain a minimum daily balance of $10.00 to obtain the disclosed annual percentage yield. A minimum daily balance of $500 needs to be maintained to avoid a monthly service charge. Funds may be easily accessed using an ATM card. Limited monthly withdrawals are allowed.

Christmas and Vacation Club Accounts

Open a club account today to start saving for your holiday or vacation expenses.

Individual Retirement Accounts ~ IRA's

Individual Retirement Accounts may be tax deferred savings accounts. Interest earned is not taxable until it is withdrawn. Like CD's, IRA's also receive premium interest rates. These accounts are an excellent way for anyone to save for retirement. Federal laws limit the annual amount of deposits that may be placed into an IRA account. Withdrawals are not permitted without penalty.

Certificates of Deposit ~ CD's

Certificates of Deposit offer premium interest rates. Accounts mature after 91 days, 6 months and 1 year. Longer maturity pays higher interest rates. CD's can be a source of regular income for retirees. Early withdrawals are not permitted without penalty.

CDARS

CDARS is the Certificate of Deposit Account Registration Service and it’s the easiest most convenient way to enjoy full FDIC insurance on deposits larger than $100,000.00. Contact the bank for more details.

Consumer Loans

Installment Loans

Installment loans are personal loans to individuals. Often people use these loans to buy a new or used car, make home improvements, or pay college tuition. Loans payments are made in monthly installments. Payments may be automatically deducted from your Millbury National Bank personal checking, savings, or NOW account.

Home Equity Lines of Credit

Home Equity Lines of Credit are offered to individuals who have developed equity value in their homes. Interest paid toward Home Equity Line of Credit loans is generally tax deductible. Based on the equity in your home, you may be approved for a credit line. You can decide how much of a credit limit you will use and when to use it.

Cash Reserve

Cash Reserve is an unsecured loan that will protect you from overdraft charges should you overdraw your personal checking or NOW account. Cash reserve amount is determined at the time of application.

Mortgages

Millbury National Bank offers a variety of fixed and adjustable rate mortgages featuring our guaranteed one-fee closing cost. Please call for a personal rate quote.

Other Services

Safe Deposit Box

Safe deposit boxes are located in the Millbury Main Office. They are a private and secure place to store valuables and documents. Access to safe deposit boxes is available during normal business hours. Safe deposit boxes are only available to customers of the bank.

Click here to download a Safe Deposit Box Lease Form

Money Orders

Money Orders are cash or check substitutes that can be purchased in amounts up to $500. They are generally accepted as cash.

Cashiers Checks

Cashiers Checks are cash or check substitutes that can be purchased in amounts over $500. They are generally accepted as cash and made payable to a specified party.

Travelers Checks

Travelers Checks are a great alternative to carrying cash when you travel. Travelers checks are purchased from the bank in a variety of denominations. If the checks are lost or stolen they may be replaced at locations around the world. Gift Checks are also available in a variety of denominations.

Notary Public

Millbury National Bank offers public notary services in both the main office in Millbury or the branch in Grafton. Notary public services are always available during normal office hours.

Direct Deposit

Direct Deposit is a safe and convenient way to electronically transfer funds directly into your Millbury National Bank account. Deposit your payroll or Social Security checks without having to visit the bank.