- Unlimited Checking
Your Platinum Star Checking account includes unlimited checking, with no transaction activity charges.
- Free Checks
Receive your personalized, wallet-style member checks at no additional cost. Applies to a limited number of designs. Limit one box per order.
- Free Visa® Gift Cards
You may receive up to 10 gift cards per calendar year...a great gift for any occasion.
- Safe Deposit Box Discount
Securely store your important valuables with us – for free (Box size limitations apply. Maximum value is $22/year).
- ATM Surcharge Refunds
Can't find a surcharge-free ATM in the area? No problem! With this account, you can receive up to $10/month in foreign ATM surcharges in the form of a refund. At statement cycle cut-off, foreign ATM Surcharges incurred, up to $10.00, will be refunded after all account requirements have been met.
- Platinum CD Rates
With a Platinum Star Checking account, you can also receive premium rates on McFarland State Bank certificates of deposit! Some restrictions apply* – contact a Personal Banker for details.
*Premium rate may be up to 0.25% above advertised interest rate. Offer only applies to new money. Premium rate cannot be applied to renewals or advertised specials.
- Overdraft Protection
Interested in Overdraft Protection? Options are available. Contact us to learn more (may be subject to credit approval). As a member of this account, you can take advantage of FREE advances from your McFarland State Bank savings account as an alternate form of Overdraft Protection.
- Free Online Banking with e*Bill-Pay and Messenger Account Alerts
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.
- Free Online Banking with eBill-Pay
Not only can you can enjoy the convenience of Online Banking with access from anywhere you have an Internet connection, but you can pay your bills electronically too!* You can also set up customized, automated account alerts that can be delivered to you via email or text messaging (your wireless provider may charge a fee to receive text messages).
*a minimum of 5 bills per month must be paid in order to avoid a service charge of $4.95/month.
- 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.
- Free ATM/Debit Cards
We offer FREE MasterCard™ debit and ATM cards. These cards offer you convenient access to your account any where the MasterCard™ logo is found.
- AAA Travel Membership Discount
Sign up with AAA and receive a 15% discount. Already a AAA member, no problem – simply contact them now to let them know you're in McFarland State Bank's Platinum Star Checking account and they'll apply the discount to your renewal rate (special code needed – contact McFarland State Bank for details).
- Direct Deposit
All McFarland State Bank checking accounts offer you the convenience of Direct Deposit, which saves you trips to the bank, offers you immediate access all while giving you the peace of mind of knowing that your money has been deposited.
REQUIREMENTS
- Minimum deposit required to open the account: $100
- Minimum Daily Balance: $1,000
- Minimum Number of Debit Card Requirements: 25/calendar month (acceptable transaction types are PIN-based purchases, Signature-based purchases and recurring debit card purchases).
- Monthly e-Statements (if you opt out of e-Statements, a service charge of $2.50/month will be incurred for each month a paper statement is provided).
- Login to Online Banking a minimum of once per calendar month
FEES
A monthly service charge of $10 will be incurred for each month the above requirements are not met.
EZ Account Switch Kit
New Account Inquiry
- Unlimited Checking
Your Silver Star Checking account includes unlimited checking, with no transaction activity charges.
- Safe Deposit Box Discount
Securely store your important valuables with us – because you're in our Silver Star Checking program, you'll receive an annual discount of $7 applied to your rent!
- Free Checks
Receive your personalized, wallet-style member checks at no additional cost. Applies to a limited number of designs. Limit one box per order.
- Overdraft Protection
Interested in Overdraft Protection? Options are available. Contact us to learn more (may be subject to credit approval).
- Free Online Banking and Messenger Account Alerts
Enjoy the convenience of Online Banking with access from anywhere you have an Internet connection! You can also set up customized, automated account alerts that can be delivered to you via email or text messaging (your wireless provider may charge a fee to receive text messages).
- 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.
- Free ATM/Debit Card
We offer FREE MasterCard™ debit and ATM cards. These cards offer you convenient access to your account any where the MasterCard™ logo is found.
- AAA Travel Membership Discount
Sign up with AAA and receive a 15% discount. Already a AAA member, no problem – simply contact them now to let them know you're in McFarland State Bank's Platinum Star Checking account and they'll apply the discount to your renewal rate (special code needed – contact McFarland State Bank for details).
- Direct Deposit
All McFarland State Bank checking accounts offer you the convenience of Direct Deposit, which saves you trips to the bank, offers you immediate access all while giving you the peace of mind of knowing that your money has been deposited.
REQUIREMENTS
- Minimum deposit required to open the account: $100
- Minimum Daily Balance: $500
FEES
A service charge of $7.50/month will be incurred for each month the above requirements are not met.
EZ Account Switch Kit
New Account Inquiry
- Unlimited Checking
Your Capital Star Checking account includes unlimited checking, with no transaction activity charges.
- High Yield Savings Account
Our Capital Star checking account offers a unique savings opportunity - a high yield Capital Star Savings account! Opened with your Capital Star checking, this account supports a regular savings habit via monthly automatic transfers. In addition, we'll pay you the same interest rate as our Great Rate Savings account – without the $50,000 minimum balance requirement!
- Overdraft Protection
Interested in Overdraft Protection? Options are available. Contact us to learn more (may be subject to credit approval).
- Free Online Banking with e*Bill-Pay and Messenger Account Alerts
Not only can you can enjoy the convenience of Online Banking with access from anywhere you have an Internet connection, but you can pay your bills electronically too!* You can also set up customized, automated account alerts that can be delivered to you via email or text messaging (your wireless provider may charge a fee to receive text messages).
*a minimum of 5 bills per month must be paid in order to avoid a service charge of $4.95/month.
- 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.
- Free ATM/Debit Card
We offer FREE MasterCard™ debit and ATM cards. These cards offer you convenient access to your account any where the MasterCard™ logo is found.
- AAA Travel Membership Discount
Sign up with AAA and receive a 15% discount. Already a AAA member, no problem – simply contact them now to let them know you're in McFarland State Bank's Platinum Star Checking account and they'll apply the discount to your renewal rate (special code needed – contact McFarland State Bank for details).
- Direct Deposit
All McFarland State Bank checking accounts offer you the convenience of Direct Deposit, which saves you trips to the bank, offers you immediate access all while giving you the peace of mind of knowing that your money has been deposited.
REQUIREMENTS
- Minimum deposit required to open the account: $100
- Minimum Daily Balance: $100
- An active Capital Star Savings account must be maintained per the Capital Star Savings Account Terms & Conditions. Automatic transfer(s) from your Capital Star Checking account to your Capital Star Savings account totaling a minimum of $25 per calendar month must be maintained.
- Minimum Number of Debit Card Requirements: 25/calendar month (acceptable transaction types are PIN-based purchases, Signature-based purchases and recurring debit card purchases).
- Monthly e-Statements (if you opt out of e-Statements, a service charge of $2.50/month will be incurred for each month a paper statement is provided).
- Login to Online Banking a minimum of once per calendar month
- Direct Deposit (s) totaling a minimum of $500 per calendar month
FEES
A service charge of $10/month will be incurred for each month the above requirements are not met.
EZ Account Switch Kit
New Account Inquiry
- Unlimited Checking
Your Shining Star Checking account includes unlimited checking, with no transaction activity charges.
- ATM Surcharge Refunds
Can't find a surcharge-free ATM in the area? No problem! With this account, you can receive up to $10/month in foreign ATM surcharges in the form of a refund.
- Overdraft Protection
Interested in Overdraft Protection? Options are available. Contact us to learn more (may be subject to credit approval).
- Free Online Banking with and Messenger Account Alerts
Enjoy the convenience of Online Banking with access from anywhere you have an Internet connection! You can also set up customized, automated account alerts that can be delivered to you via email or text messaging (your wireless provider may charge a fee to receive text messages).
- 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.
- Free ATM/Debit Card
We offer FREE MasterCard™ debit and ATM cards. These cards offer you convenient access to your account any where the MasterCard™ logo is found.
- Free Incoming Wires
Need some fast cash? Have a parent or guardian wire the funds to your McFarland State Bank Shining Star Checking account and the incoming wire fee will be waived!
- Direct Deposit
Need some fast cash? Have a parent or guardian wire the funds to your McFarland State Bank Shining Star Checking account and the incoming wire fee will be waived!
- Free 2.0GB Flash Drive
(while supplies last)
REQUIREMENTS
- Minimum deposit required to open the account: $100
- Minimum Daily Balance: $100
- Must be at least 16 years of age and have a valid student ID
- Monthly e-Statements (if you opt out of e-Statements, a service charge of $2.50/month will be incurred for each month a paper statement is provided).
- Login to Online Banking a minimum of once per calendar month
FEES
None
EZ Account Switch Kit
New Account Inquiry
- Unlimited Checking
Your Value Star Checking account includes unlimited checking, with no transaction activity charges.
- Overdraft Protection
Interested in Overdraft Protection? Options are available. Contact us to learn more (may be subject to credit approval).
- Free Online Banking with and Messenger Account Alerts
Enjoy the convenience of Online Banking with access from anywhere you have an Internet connection! You can also set up customized, automated account alerts that can be delivered to you via email or text messaging (your wireless provider may charge a fee to receive text messages).
- 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.
- Free ATM/Debit Card
We offer FREE MasterCard™ debit and ATM cards. These cards offer you convenient access to your account any where the MasterCard™ logo is found.
- Direct Deposit
All McFarland State Bank checking accounts offer you the convenience of Direct Deposit, which saves you trips to the bank, offers you immediate access all while giving you the peace of mind of knowing that your money has been deposited.
REQUIREMENTS
- Minimum deposit required to open the account: $100
- Direct Deposit (s) totaling a minimum of $500 per calendar month
- Monthly e-Statements (if you opt out of e-Statements, a service charge of $2.50/month will be incurred for each month a paper statement is provided).
- Login to Online Banking a minimum of once per calendar month
FEES
None
EZ Account Switch Kit
New Account Inquiry
Interest paid on balances of $1,000 or more (contact us for current rate and Annual Percentage Yield (APY)).
- Unlimited Checking
Your Interest Checking account includes unlimited checking, with no transaction activity charges.
- Overdraft Protection
Interested in Overdraft Protection? Options are available. Contact us to learn more (may be subject to credit approval).
- Free Online Banking with and Messenger Account Alerts
Enjoy the convenience of Online Banking with access from anywhere you have an Internet connection! You can also set up customized, automated account alerts that can be delivered to you via email or text messaging (your wireless provider may charge a fee to receive text messages).
- 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.
- Free ATM/Debit Card
We offer FREE MasterCard™ debit and ATM cards. These cards offer you convenient access to your account any where the MasterCard™ logo is found.
- Direct Deposit
All McFarland State Bank checking accounts offer you the convenience of Direct Deposit, which saves you trips to the bank, offers you immediate access all while giving you the peace of mind of knowing that your money has been deposited.
REQUIREMENTS
- Minimum deposit required to open the account: $100
- Minimum Daily Balance: $1,000
FEES
A service charge of $10/month will be incurred for each month the above requirements are not met.
EZ Account Switch Kit
New Account Inquiry
- Unlimited in-person and ATM withdrawal privileges. Certain types of withdrawals are limited to six (6) per month (why does this limit apply?) and may be subject to a transaction fee. Please contact us to verify the transaction fee at the present time. Deposits are unlimited in number with no applicable transaction fees.
- Free Online Banking with Messenger Account Alerts
Enjoy the convenience of Online Banking with access from anywhere you have an Internet connection! You can also set up customized, automated account alerts that can be delivered to you via email or text messaging (your wireless provider may charge a fee to receive text messages).
- Free 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.
- Free ATM/Debit Cards
We offer FREE MasterCard™ debit and ATM cards. These cards offer you convenient access to your account at many nationwide ATMs and anywhere the MasterCard™ logo is found. Please note, you must have a McFarland State Bank checking account in order to be eligible for a Debit Card.
- Direct Deposit and Automatic Transfers are available to make saving seamless & convenient!
- e-Statements are available at no additional charge and are a great way to go green & assist in fraud prevention.
Click the following links to learn more about each of our programs:
Great Rate Savings
Capital Star Savings
Statement Savings
Children's Savings
Christmas Club Savings
Health Savings Accounts (HSA)
- This account offers our best savings interest rate!
This high balance account rewards you with an attractive interest rate while keeping your funds liquid in the event you need them. Interest on your funds accrues daily and pays quarterly.
- This account is a variable rate product. At our discretion, we may change the interest rate on your account. We may change the interest rate on your account as often as daily.
- This account is a tiered rate product (Daily Balances below $50,000 will be paid a lesser interest rate. Contact us for current interest rates.)
- Maximum account balance: $250,000 (Daily Balances exceeding $250,000 will be paid a lesser interest rate. Contact us for current interest rates.)
REQUIREMENTS
- Minimum deposit required to open the account: $50,000
- Minimum Daily Balance: $200/Month
FEES
A monthly service charge of $3 will be incurred for each month the above requirements are not met.
EZ Account Switch Kit
New Account Inquiry
- We want to help you save today with this unique product!
This high interest rate savings account is opened in conjunction with our Capital Star Checking account and offers the benefit of an attractive interest rate without the high minimum balance requirement of our Great Rate Savings account. Interest on your balance accrues daily and pays quarterly.
- This account is a variable rate product. At our discretion, we may change the interest rate on your account. We may change the interest rate on your account as often as daily. This account is a tiered rate product
- Maximum account balance: $25,000 (Balances exceeding $25,000 will be paid a lesser interest rate. Contact us for current interest rates.)
REQUIREMENTS
- Minimum deposit required to open the account: $100
- Average Daily Balance: $200/Month
- An active Capital Star Checking account must be opened and maintained per the Capital Star Checking Account Terms & Conditions.
- Monthly e-Statements (if you opt out of e-Statements, a service charge of $2.50/month will be incurred for each month a paper statement is provided).
FEES
A monthly service charge of $3 will be incurred for each month the above requirements are not met.
EZ Account Switch Kit
New Account Inquiry
- A classic approach to saving
This account offers ease of entry with a low minimum balance requirement. Interest on your balance accrues daily and pays quarterly.
- This account is a variable rate product. At our discretion, we may change the interest rate on your account. We may change the interest rate on your account as often as daily.
REQUIREMENTS
- Minimum deposit required to open the account: $100
- Average Daily Balance: $200/Month
FEES
A monthly service charge of $3 will be incurred for each month the above requirements are not met.
EZ Account Switch Kit
New Account Inquiry
- Encourage an early start to savings!
With no minimum balance requirement, you can build the balance in this account at your own pace. Additionally all account fees are waived until the child's reaches 18. At age 18, the account is converted to our Statement Savings Account to help continue the savings habit that was started as a child. Interest on your balance accrues daily and pays quarterly.
- This account is a variable rate product. At our discretion, we may change the interest rate on your account. We may change the interest rate on your account as often as daily.
REQUIREMENTS
- Minimum deposit required to open the account: $10
FEES
None until age 18.
EZ Account Switch Kit
New Account Inquiry
- We're here to help plan for your holiday shopping expenses!
This account allows you to put a little money away throughout the year to avoid overwhelming expenses when it comes time for your holiday shopping AND you'll receive a bonus from McFarland State Bank in the form of interest. With no minimum balance requirement and no fees, saving for the holidays has never been easier. Interest on your balance accrues daily and pays annually in mid-October, at which time a check is sent to you for the full balance in your account.
- This account is a variable rate product. At our discretion, we may change the interest rate on your account. We may change the interest rate on your account as often as daily.
- Looking for a high-yield Christmas Club account? Contact us to learn about our other options.
REQUIREMENTS
- Minimum deposit required to open the account: $25
FEES
None
EZ Account Switch Kit
New Account Inquiry
- Worried about planning for unexpected medical expenses? We can help!
If you qualify for a HSA (click here to learn more), simply stop in and we'll help you establish your account. With no minimum balance and no fees, this account is easy to maintain & access. Plus, it earns interest! Interest on your balance accrues daily and pays quarterly.
- This account is a variable rate product. At our discretion, we may change the interest rate on your account. We may change the interest rate on your account as often as daily.
REQUIREMENTS
- Minimum deposit required to open the account: $25
FEES
None
EZ Account Switch Kit
New Account Inquiry
- Unlimited in-person deposit and withdrawal privileges. Withdrawals in excess of 6 per month will be charged a transaction fee.
- 24 Hour access available through ATM’s, Phone Banking or Online Banking.
- Earn a high money market rate and avoid fees by maintaining a $2,500 or greater balance.
- EZ Account Switch Kit
- New Account Inquiry
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Are You or Your Organization Looking for FDIC Insurance on deposits exceeding $250,000 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 $50 million through just one depository account!
Prior to CDARS, deposits in excess of $250,000 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 $50 million or more. 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. |
- 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 $250,000.
*Penalty for early withdrawal of investment principal.
- EZ Account Switch Kit
- New Account Inquiry
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.
- Click here to download the Switch Kit Application. Complete the form and bring it in to our office.
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*To view the application, you must have Adobe Acrobat Reader installed on your computer. If you don't have Acrobat Reader you may 
