Fee Schedule and Service Charges

Account and Usage Fees    
Individual Retirement Account IRA    
     Outgoing transfer fee $50.00  
Health Savings Account (HSA) $25.00 annual fee
     Outgoing transfer fee $100.00  
Dormant Fee $10.00 per month*
Dormant account balances sent to the State $25.00 per account*
Account closure within 3 months of opening $25.00 per account closed*
ATM / Debit Cards    
ATM/Debit card replacement $10.00 per card
Expedited card fee $45.00 per card
Night Depository  
Key $5.00
Locking bag with key $40.00
Locking bag key replacement $25.00
Zipper bag $10.00
Official Checks           
Cashier's check more than $1,000 (MCB customers only) $5.00 per check
Money Orders less than $1,000 (MCB customers only) $5.00 per money order
Other Account Charges and Services           
Checks Prices vary by style
Coin Counting (non-customers) 10% of total
Coin Counting (customers) Free  
Duplicate printed statement $5.00  
Legal order processing (levies, garnishments, etc.) $100.00 per order
Medallion Signature Guarantee (MCB customers only at select locations) $45.00  
Research fee (1/2-hour minimum charge) $50.00 per 1/2 hour
Stop Payment fee (Expires in 6 months) $35.00 per stop payment
Overdrafts    
Overdraft paid item fee $35.00 per item paid*
Safe Deposit Box    
Safe Deposit Box annual rent Fees vary by location  
Safe Deposit Box and locker key replacement $150.00 per key
Safe Deposit Box and locker drilling / new lock and key $350.00  
Wire Transfer    
Incoming $20.00 per transfer
Outgoing $30.00 per transfer
Outgoing International $60.00 per transfer
*Fees do not apply to Smart Start accounts.
Effective Date: 05/01/2025
Routing Number
071123204
Call Us
(888) 418-5585
Find a Branch or ATM


  • Morton Community Bank is an Illinois Chartered Bank which includes Clock Tower Community Bank and all your Hometown Community Banks. 
Morton Community Bank
Morton, IL
NMLS #422122
Member FDIC
2025 - All Rights Reserved