Change Your PIN

You can dial 800-272-9222 at any time to change the PIN on your card. Some ATMs even allow this too.

Lost Card?

Call 800-528-2273 if you have lost your debit card or you believe it may have been stolen or used without your authorization!

• Now offering MasterCard® SecureCode™ protection service
• Safe - easy - fast!
• Make cash withdrawals from checking and/or statement savings accounts ($250 per day cash withdrawal limit)
• Make purchase (point of sale transactions) at any merchant that honors MasterCard® ($2,500* per day transaction limit)
• Make deposits into checking and/or statement savings accounts from any Monarch ATM
• Transfer funds between checking and statement savings accounts
• Check balances in checking and/or statement savings accounts
• You may access your checking account to purchase goods and/or pay for services ( in person or phone )
• Get cash from a merchant
• No minimum balance required to access accounts
• At Monarch ATMs all transactions are FREE!

NOTE: You may incur possible charges for use of ATMs operated by other institutions. If you perform a transaction at an ATM that is not owned by Monarch Community Bank, you may be charged a fee by the operator of that machine in addition to a fee charged by Monarch. Also, you may be charged a fee by any national, regional, or local network utilized to effect the transaction.

$10.00 lost/stolen card replacement fee may apply

*Subject to available funds in your checking account.

MasterCard® SecureCode™ is a new online security service to guard against the unauthorized use of your Monarch Community Bank Debit MasterCard® while shopping online at participating merchants. There is no need to get a new card, no software to download, and no hassles... just added security. Once enrolled in this service, you'll have added confidence knowing that MasterCard® SecureCode™ performs an extra authentication step to protect your account from unauthorized online use. Enroll now...

*Note: You will be prompted to enter your Debit MasterCard® number to confirm eligibility in the SecureCode™ service. Once you submit this information, you will be able to learn more and then complete the enrollment process.

Whether you're looking for a personal card or one for your business, our MCB VISA® is a great choice. New cardholders get 0% interest for six months on purchases and balances transfers and can earn cash-back rewards, points towards valuable merchandise and even travel benefits like air miles.

Applying is easy and can be done entirely online, so what are you waiting for? Cardholders can go online and check account activity, download transaction information and even make payments. Apply today and put an MCB VISA® card in your wallet!

Lost Card?

Call 800-528-2273 if you have lost your ATM card or you believe it may have been stolen or used without your authorization!

• Safe - easy - fast!
• Make cash withdrawals from checking and/or statement savings accounts ($250 per day withdrawal limit)
• Make deposits into checking and/or statement savings accounts
• Transfer funds between checking and statement savings accounts
• Check balances in checking and/or statement savings account
• No minimum balance required to access accounts
• At MCB ATMs, all transactions are FREE!

NOTE: You may incur possible charges for use of ATMs operated by other institutions. If you perform a transaction at an ATM that is not owned by Monarch Community Bank, you may be charged a fee by the operator of that machine in addition to a fee charged by Monarch. Also, you may be charged a fee by any national, regional, or local network utilized to effect the transaction.

$10.00 lost/stolen card replacement fee may apply

If you're traveling abroad and need access to your checking account, click on our handy International ATM Locator link. Don't be confused by the VISA® logo on the site, our Debit MasterCard® and ATM cards utilize the Plus international ATM network, which is owned and operated by VISA.

Below are some things to keep in mind when traveling outside of the United States with your Debit MasterCard® or ATM card:

• To use the service, you will need to know the region, country/territory and city to locate available ATMs
• In most countries, you can ONLY access a checking account, and will not be able to even see your savings account if you have one connected to your card
• Funds will be disbursed in the local currency, and the exchange rate takes place automatically
• Depending on the connectivity and where you are traveling, some ATMs may not work properly and be unable to validate your transaction
• Always be prepared and take a credit card, travelers checks or a little cash with you "just in case"

With our NetTeller online banking service, you can securely access your accounts over the Internet and keep your own "banker's hours". Here are just a few of the things NetTeller can do for you:

• Check the balance on any of your Monarch accounts
• Transfer funds, either one-time, or set up a recurring transfer
• Make your loan payment
• Export transaction information
• Pay bills for FREE* to anyone with BillPay
• Set personal alerts and reminders to watch for specific checks, events and even special dates
• Plus MUCH more!

Cash Management
If you are a business owner, enhance your NetTeller service with our Cash Management feature. You'll have the ability to originate your own ACH (automated clearning house) debits and credits, domestic and international wire transfers and even place stop payments all online. Perfect for processing your own payroll direct deposit or recurring billing service.

Visit our NetTeller page to learn more and enroll today!

*BillPay service is free to customers paying at least one (1) bill per month. An inactivity fee of $5 per month will be assessed if the service is not used.

Here's what it can do:

• Transfer funds between accounts
• Confirm deposits and withdrawal activity
• Process loan payments
• Verify account balances
• Report the latest savings rate information
• Confirm payment schedules and amounts due on loans

Here's how it works:

• First Time Callers
  The menu will assist you in setting up your 4 digit PIN (Personal Identification Number). Please have your account number and your Social Security Number ready when you place this initial call
• When Calling ...
  Start with a touch-tone phone
• Have your account number and PIN available (Social Security Numbers are only needed when first establishing your PIN)
• Dial 1-800-375-1073

Select menu options (below) and follow instructions:

• Press 1 ...for checking or Money Market information
• Press 2 ...for savings information
• Press 3 ...for loan information
• Press 4 ...for CD or IRA information
• Press 5 ...for transfer of funds or make a loan payment
• Press # ...to complete this call
• Press * ...to repeat menu selections

Call us with questions 800-882-2911. If after business hours, enter extension 100 to leave a message and we'll get back to you as soon as possible.

Direct Deposit... is a safe, private, and convenient way to have your paychecks or Social Security deposited directly into your account automatically. We can setup an electronic transfer from your employer... free!

E-Z Pay... is a method of paying your loan payment(s) by automatically withdrawing the loan payment from your checking or savings account every month...free!

Night Deposit...is a safe convenient way to do your banking by dropping off your mortgage payment, commercial deposit, and/or personal deposit into our after-hours depository...free!

Bank-by-Mail...is just that! Send your deposit or your loan payment through the mail and we'll process your transaction the day it arrives at the bank. You can use our NetTeller service to check your transactions online instantly!

Combined Statement...instead of getting a separate statement for each deposit account you have with us, we combine and itemize your accounts on one statement...simple and free!

Notary Service...free to our customers.

Available only at Monarch Community Bank, our ATM Access Fee Refund Program allows debit and ATM card customers to get reimbursed for ANY fee paid to another financial institution for the use of their ATM.

Just get us your receipt(s) showing the additional charge for your transaction and we'll cheerfully refund the fee(s)*. No limit, no kidding! This gives Monarch customers global access to any ATM while helping to avoid fees. In fact, the only time you'll ever pay a fee with a debit or ATM card is after the fourth foreign ATM transaction every month (in which case there is a nominal $1 per transaction fee charged by Monarch).

So, if you are using a "big bank" because they have ATMs all over town, the county, state or nation... now's the perfect time to switch to Monarch Community Bank. We're trying hard to make banking even more convenient (and less expensive too), so give us a try.

*Effective December1, 2006: While fees charged for withdrawals from any account type are eligible for reimbursement, this program now requires that fees are refunded to a checking account at Monarch Community Bank.