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Personal Checking Account Options

At Marine Bank and Trust, we’ve designed our checking account options so you’ll find one that’s ideally suited to your needs. Whether you’re looking for the ease of no minimum balance, the yield of an interest-bearing account or the convenience of online banking, you’ll find it right here.

Like to meet your banker?  Click here. 

Personal Checking Product Comparison
Account Features Admiral Mariner Commodore Sailing Free Health Savings Money Market 
Balance to avoid service charge See footnote (1) See footnote (2) N/A N/A See footnote (3) $2,500 minimum
Monthly service charge $25 $15 N/A N/A $3 $12.50
Interest bearing yes yes yes no yes yes
Checks allowed per month  unlimited unlimited unlimited unlimited N/A 6
Wallet check orders free 1st order free 1st order free 1st order free  N/A free
Debit card available(4) yes yes yes yes yes no
 ATM benefits(5)

Service charge free ATM usage for all listed accounts.

  All listed accounts benefit from surcharge-free transactions at any Allpoint ATM.  
Click here to locate an Allpoint ATM.
Online banking and bill-pay free free free free free free online banking only
Cashier's checks fee no no no yes yes yes
Travelers checks fee no no single-no dual-yes  yes yes yes

(1)  Admiral:  $10,000 minimum daily balance or $15,000 average daily combined balance
(2)  Mariner:  $1,500 minimum daily blance or $3,000 average daily combined balance.
(3)  Health Savings:  $500 minimum daily balance or $500 average daily combined balance. 
(4)  Pending credit approval
(5)  Marine Bank does not service charge for ATM usage.  By definition, a service charge is collected by the bank.  However, a surcharge may still be imposed by the ATM owner.   

Admiral Account

This premium account lets you earn interest and obtain the most benefits.  The monthly service charge is waived by maintaining a combined account balance of $15,000 or an average daily balance of $10,000. Enjoy unlimited check writing and the use of your Visa debit card, with merchants or at non-Marine ATMs when you travel. Utilize online banking with ease and convenience to check your balance, transfer funds, and to pay bills. Receive all the personally imprinted checks you need, as well as travelers and cashier's checks at no cost to you.

Mariner Account

This interest-bearing account rewards you for your relationship with Marine Bank. Your minimum daily balance of $1,500 or average daily combined account balance of $3,000 will earn you a competitive interest rate, unlimited check writing and use of your Visa debit card. With no-fee online banking, you’ll be able to manage your account from anywhere in the world, night or day. Enjoy the advantage of free travelers and cashier's checks.

Commodore Account

Beginning at age 50, take advantage of this interest-bearing account that has no minimum balance requirements or monthly service fees. Enjoy all the convenience of unlimited checking; along with a Visa debit card, free online banking, and no fees on travelers or cashier's checks.

Sailing Free Account

Enjoy the simplicity of worry-free checking with no minimum balance requirements and no monthly service charges. This account provides unlimited check writing, free online banking and bill-pay privileges.

Health Savings Account

This tax-exempt account allows individuals currently enrolled in a qualified high deductible health plan (HDHP) to earn interest on funds designated for medical expenses.  Medical costs can be paid with your debit card or through online banking. 

Click here to link to the IRS Publication Publication 969 (2011), "Health Savings Accounts and Other Tax-Favored Health Plans".

Money Market Account

You can enjoy the convenience of check writing privileges and maximize your earnings with an account designed to reward your higher balances with a competitive interest rate.


Meet Your Banker


Island Location - Admiral

Mainland Location - Pelican

   Georgia L. Irish
Branch Manager
(772) 231-8207
girish [at]
  Kim Prado
Branch Manager
(772) 316-1262
kprado [at]
  Anne H. Sheppard
Personal Banker
(772) 231-8213
asheppard [at]
   Jessica Francis
Personal Banker
(772) 316-1273
jfrancis [at]
   Arianne Rust
Personal Banker
(772) 231-8229
arust [at]
    Michele Thiemann
Personal Banker
(772) 316-1274
mthiemann [at]

*To prevent spam, email addresses on this webpage are not formatted as links.  To send an email to any of the above individuals, replace " [at] " with "@" in the address.

General Inquiries
(772) 231-6611
(888) 231-6621 Toll Free
email [at]


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