• personal banking
  • business banking
  • online banking
  • investments
  • planning and tools

Simplify Checking

It feels good to simplify!

Font Size 

In an age when life is hard and every day brings its own challenges, we look for simple solutions wherever we can find them. Instead of large heavy meals, a snack will do. Instead of fancy, involved vacations, a weekend getaway is great. Instead of packing the kids into the car, a bike ride is a refreshing change.

It feels good to simplify!

Such is the case with accounts at The Middlefield Banking Company. New regulations, governmental rules and current economic conditions have led us to streamline the way we help you manage your money. While these are not sweeping changes, you will notice small changes to your current accounts with our bank. Our account representatives are here to help you with any questions you have.

Here are Checking Account Packages with benefits we have tailored for you.

Basic Accounts
Easy Checking

A free account with no minimum balance requirement or per item charge.

Easy Plus Checking

Designed for the customer who doesn't want to be bothered by keeping track of minimum balances and the number of checks written per month. This is the only account that provides paper images of paid checks with the monthly statement.

  • Unlimited check writing
  • $10 per month service fee, no minimum balance requirements
  • 1.00% reduction on consumer loans
  • Access to your money via ATM/Debit card
  • E-Statement with check images sent monthly to you anywhere via e-mail or Paper Statement with check images
  • EasyLink Online Banking and Online BillPay
Variable Rate Accounts
Easy Living Checking

A free account for our customers 62 years or older that includes free basic checks and a free Super Saver account.

  • Free interest bearing checking
  • Variable Rate Account - See current rates
  • Free basic checks
  • No service fees
  • Super Saver Account with no minimum balance requirement
  • Free ATM/Debit card
  • E-Statement with check images sent monthly to you anywhere via e-mail or Paper Statement without check images
  • EasyLink Online Banking and Online BillPay
  • Free official checks, money orders and notary service
N.O.W. Checking

For customers who want to keep their money easily accessible and want to earn interest while their money is on deposit.

  • Variable Rate Account - See current rates
  • No monthly service fee if balance remains above $1,500 otherwise monthly fee $8.00
  • $0.25 fee per check or debit if the daily balance is less than $1,500
  • E-Statement with check images sent monthly to you anywhere via e-mail or Paper Statement without check images
  • EasyLink Online Banking and Online BillPay
Money Market Account

For the customer who wants to earn a higher rate of interest on higher daily balances. For regulatory reasons, only 6 check and/or debit withdrawals are permitted, therefore, should be considered a limited activity account.

  • Variable Rate Account - See current rates
  • No monthly service fee if balance above $3,000 otherwise monthly fee $8.00
  • Limit to 6 checks per month
  • No ATM/Debit card access for this account
  • E-Statement with check images sent monthly to you anywhere via e-mail or Paper Statement without check images