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Banking Services
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Marine Bank & Trust Company is unique in its personal approach to banking. In all our services we strive to go beyond individual transactions to build relationships with our customers. Our first objective is to see that our customers realize their personal and financial objectives. This relationship is founded on the expertise of our highly experienced staff. Thanks to their years of experience, they can answer your questions promptly and professionally and help you select deposit accounts and loan products that will provide you optimum results.
The Banking Department provides products in
three service areas. Personal Banking
The Personal Banking department is dedicated to
customer service. Our Personal Bankers assist our clients with checking and savings accounts, consumer loans and
personal credit lines. They strive to provide highly professional and
pleasant banking relationships.
Commercial Banking
The Marine goal is to meet the
business community’s needs, including business loans, credit lines,
cash management and depository accounts.
Mortgage Banking
Mortgage Banking Manager Mary A. Cone assists clients with residential mortgage loan products. Her experience and professionalism are invaluable in identifying the best mortgage product available. |
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Our Bankers will assist you with all these
services: |
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Personal Checking |
Wire Transfers |
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Savings |
Direct Deposits |
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Time Deposits |
Safe Deposit Boxes |
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Debit Cards |
Personal Loans |
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Credit Cards |
Residential Loans |
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Foreign Currency Services |
Internet Banking |
(Click on a highlighted service for more details or call and speak to one of our
Bankers for more information!)
Personal Checking
The Marine offers five types of checking accounts, namely Admiral, Mariner, Commodore, Sailor,
and Sailing Free. Their characteristics are described in the following matrix:
(1) Admiral Account - A monthly account maintenance fee of $25.00 will be imposed every statement cycle unless you maintain either a minimum average daily balance of $10,000.00 in this account or a minimum average daily account combination balance of $15,000.00, excluding IRA accounts.
(2) Mariner Account - A monthly account maintenance fee of $15.00 will be imposed every statement cycle unless you maintain either a minimum daily balance of $5,000.00 in this account or a minimum average daily account combination balance of $7,500.00, excluding IRA accounts, or outstanding loan balances of $10,000.00 for the monthly statement cycle.
(3) Commodore Account - There is no monthly account maintenance fee imposed for this account. No minimum balance required. Must be at least 50 years of age.
(4) Sailor (Interest Bearing) - A monthly account maintenance fee of $15.00 will be imposed every statement cycle unless you maintain either a minimum daily balance of $1,500.00 in this account or a minimum average daily account combination balance of $3,000.00, excluding IRA accounts.
(5) Sailing Free (Non-Interest Bearing) - There is no monthly account maintenance fee imposed for this account.
No minimum balance required.
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Savings
Money Market Account
Interest is based on a tiered balance and will earn a competitive rate, compounded daily and credited to your account monthly.
Minimum balance to open account is $100.00. A monthly account maintenance fee of $12.50 will be imposed every statement cycle if the balance in the account falls below $2,500.00 on any day of the cycle. Transactions are limited to six per statement cycle with no more than three by check, draft , or similar order to third parties.
A $5.00 activity charge will be imposed for each check paid or preauthorized
withdrawal in excess of the legal limit during each statement cycle.
Regular Savings Account
Minimum balance to open account is $100.00. If the balance in the account falls below $300.00 any day of the cycle, you will be charged a $3.00 low balance fee. Interest is this account is compounded daily and credited to your account every quarter. A $2.00 activity service charge will be imposed on withdrawals in excess of two in a calendar month, however, ATM withdrawals are exempt.
"Minor By" Savings Account
Minimum balance to open account is $100.00. Available for those young savers up to the age of 17 years old. Parent or legal guardian must sign on the account and provide proof of the minor's date of birth. Minimum balance to avoid low balance charge is $100.00.
A $2.00 activity service charge will be imposed on withdrawals in excess of two
in a calendar month, however, ATM withdrawals are exempt.
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Time Deposits
Invest your money wisely, a Certificate of Deposit is an attractive way to invest your funds for a specific period of time. With terms starting at 7 days and minimum deposits of $2,500.00, your sure to find one to fit your financial investment needs. Interest is compounded daily and you have several options as to when you would like it credited. You may elect to receive your interest by check, deposited into another account or credited back to your certificate. Penalties are assessed for early withdrawals. Ask a Banker for more details about our Certificate of Deposit accounts.
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