Mid Penn Bank offers a variety of checking accounts with great benefits and convenience.  We are confident that one of our checking products will be right for your financial needs.

Click here to open an account.

Ca$h Back Checking

Ca$h Back Checking is available only at Mid Penn Bank.  This unique checking account will leave you wondering what’s the catch.  Just as the name implies, this account will pay you “cash back” every year.  This unique checking account is for customers who have at least one monthly recurring ACH direct deposit and requires customers to make at least two point-of-sale Check Card transactions per month.  When you open your Ca$h Back Checking account, Mid Penn Bank will credit your account $50 upon confirmation of your first automated ACH direct deposit.  Plus, Mid Penn Bank will annually deposit $50 into your Ca$h Back Checking account on the anniversary of your account opening month, provided your account continues to meet the monthly recurring direct deposit requirement, as well as having at least two point-of sale check card transactions per month.  It really does sound too good to be true, doesn’t it?  Wait there’s more!

• No minimum balance.
• No monthly service charge.
• No annual fee Visa® debit card.
• Free wallet style specialty gray checks.
• No per check charges.
• Account earns interest at a competitive rate.
• Free on-line banking and free bill pay.
• Earn a 10 basis point bonus to any non-promotional CD.
• Enjoy a 25 basis point deduction on any consumer loan rate when your payment is automatically deducted from your Ca$h Back Checking account.

Upon request, we will securely store your checks and check images with Check Safekeeping.

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Free Checking

Free Checking is an ideal account choice if you don’t have direct deposit but still want an account with lots of benefits and no hidden surprises.

• No minimum balance.
• No monthly service charge.
• No annual fee Visa® debit card.
• Free wallet style specialty gray checks.
• No per check charges.
• No hassles.  No kidding.

Limited volume may apply to non-consumer accounts.

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In the event that you do not qualify for Ca$h Back Checking, Mid Penn Bank offers several other interest bearing checking accounts that earn interest.  Below are several interest bearing checking accounts that Mid Penn Bank offers.

Personal NOW Checking

• $1,000 minimum daily balance to avoid monthly service charge.
• $1,000 initial deposit to open account.
• Eligible to all individuals.
• Free specialty gray checks or $5.00 discount on checks of your choice.
• No fee traveler's checks.
• No fee money orders.
• No fee officer's checks.
• No fee notary service.
• A $2.00 discount off the annual rental fee of a safe deposit box.
• If balance requirement is not maintained, a service charge will be assessed for those months that the balance requirement is not maintained.

Penn Pal NOW Account

• You are eligible for a Penn Pal NOW account if you are an individual who is age 50 or older.
• Review a list of upcoming Penn Pal trips and other free banking services offered with this account.

Click here for additional Penn Pal information.

Direct Checking NOW Account

• For customers who are on any type of direct deposit.
• Minimum balance requirement is $500.
• Eligible to non-profit organizations, public funds, customers on direct deposit and estate accounts.
• Earn interest on balances starting at just $1.00.
• Receive five free ATM transactions at ATMs not owned by Mid Penn Bank (not including surcharge fees). All ATM transactions at Mid Penn Bank owned ATMs are free as well as all deposits. 
• If balance falls below $500 minimum balance, account will be assessed a service charge for that month.

Limited volume may apply to non-consumer accounts.

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A Money Market account is a high-yield savings account with limited transaction and check writing features placed on the account by federal regulations. Interest rates are subject to change weekly.

Indexed Money Market Account

• Earn interest based tied to an index so that your funds will earn a variable rate of interest. Rates are subject to change at the bank's discretion and are based on the most recent average auction of the 91-Day U.S. Treasury Bill sold.
• Earn interest at competitive rates determined by a market.
• $1,000 minimum initial deposit.
• Tiered rates:
  $1,000-$9,999
  $10,000-$49,999
  $50,000 or more
• Allows you to keep large amounts of money liquid while still earning "over-night" money rates.
• Available to individuals, non-profit organizations, public funds, partnerships, sole proprietorships, for-profit corporations, etc.
• Limited check writing privileges (3 clearing account per month).
• Unlimited withdrawals in person or at an ATM.
• Unlimited transfers to another account by mail or by messenger.
• Six pre-authorized, automatic or telephone transfers from Indexed Money Market account to another account or to third parties per month, including the three checks allowed per month.
  
• If balance requirement is not maintained, a service charge will be assessed for those months that the balance requirement is not maintained.

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You’ll love the convenience that a Visa® Check Card provides on your accounts.  You can choose to link up to three checking and three savings accounts to one check card.  Use your check card in place of carrying your checkbook to pay for everyday items.  Plus, you can typically provide your check card to set up automatic bill payments from your checking account for services such as monthly cell phone payments, internet provider payments, telephone and cable payments, etc.

• Your Visa® Check Card serves as both your Check Card and your ATM card.
• You must have a checking account to qualify for a Check Card.
• Use your card anywhere the Visa logo or Interlink logo are displayed.
• You can access cash with your Check Card and PIN at ATMs displaying the Visa® or Interlink® logos.
• Make purchases as a credit transaction, sign your receipt and go.  No more checkbook hassles or having to show identification to complete your purchase.
• All purchases are debited from your designated primary checking account.
• Now you can order items off TV and make reservations with your Check Card, great for customers who do not have or want a credit card.
• You can make purchases anywhere the Interlink® logo is displayed by entering your PIN and processing the transaction as a debit transaction.
• If you don't have a checking account, you can still access your funds in your savings account with a Visa® ATM Card.
• You can access cash with your Visa ATM card and PIN at ATMs displaying the Visa® or Interlink® logos.

To activate your Mid Penn Bank Check Card, you must first use it at an ATM or make a PIN based purchase.  Once your card is activated, we strongly encourage you to use a PEN rather than a PIN.  Signature based purchases provides customers with additional consumer rights enforced by Visa®.  Remember, when you use your PIN, it’s like paying with cash.  You may have no future recourse if you are dissatisfied with a purchase.

If you lose or misplace your Mid Penn Bank Check Card, please notify us IMMEDIATELY.  You can reach Mid Penn Bank during normal banking hours by calling 1-866-6HAPPEN.  Otherwise, please call the Visa 24 hour help desk at 1-866-809-2679. We will be able to stop the use of the card as soon as you notify us. For more detailed information, please refer to the Check Card disclosure.

Click here to apply for a Check Card/ATM card.

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Mid Penn Bank offers free access to 24-hour telephone banking through our TeleBanker system. TeleBanker gives you immediate access to your account information, whenever you need it. TeleBanker is available 24 hours a day from any touch-tone phone. When you call TeleBanker, please have your account number(s) and the last four digits of the primary account holder's Social Security Number available. (The Primary Account Holder is the person whose name appears first on the account.) When you initially call, you will be required to enter a new four-digit PIN number. Please select a new PIN number prior to establishing your first call, and follow the TeleBanker's prompts to change your PIN number at the time.

You will be required to complete a Funds Transfer Application before being able to conduct Funds Transfers on this system.

To reach TeleBanker, call:

Dial Toll Free: 1-888-MID-PENN (1-888-643-7366)
Dial Locally: (717) 692-5000

The basic commands of the TeleBanker system are listed below for your convenience and reference:

1 - For Account Information, Funds Transfer Or To Change PIN
2 - For Rate and Product Information
3 - For Instructions On How To Use The System
4 - To Leave A Message For A Bank Representative
5 - For Banking Business Hours
8 - To Return to The Previous Menu
9 - To Repeat The Menu You Are Currently In
0 - For Assistance Message (Call Main Office at 717-692-2133)

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Mid Penn Bank is pleased to provide consumers and businesses with free access to On-Line Banking with capabilities to view account balances and transfer funds between linked accounts. On-Line Banking provides you with Internet access to your accounts where you can perform a variety of on-line functions in a secure, convenient manner, including:

• Review transaction history.
• Monitor account balances.
• Transfer funds.
• Place stop payments.
• View checks online.
• Download information to most money management software packages.
• Access your bank accounts, including checking accounts, savings accounts, certificates of deposit, installment loans, home equity loans, lines of credit, mortgages and commercial loans.

Bill Payment Service

Customers can choose to establish On-Line bill pay services, with access 24 hours a day, 7 days a week to pay bills.  There is a charge for this service.  For just $4.95 per month, you can pay up to 15 bills per month.  Any bill pays exceeding 15 per month will simply be charge at a rate of $.30 per bill pay.  That’s still cheaper than you can even send out the bill yourself.  Postage costs more than that!  All bill payments are conveniently deducted from your checking account.  You are able to designate which account you are using for bill pays, provided you have more than one checking account linked to your on-line service.  To enroll for on-line bill payment, click here.

About Web Browsers

For increased security, Mid Penn Bank’s On-Line and bill payment service requires the use of a browser that supports 128-bit encryption. Examples of browsers that offer 128-bit encryption are:

• Netscape 6.2 or higher
• Internet Explorer 5.0 or higher
• AOL 5.0 or higher

Here's how to test your browser to see if it supports 128-bit encryption:

If you use Internet Explorer, follow three steps...

• Go to the Help menu and select "About Internet Explorer"
• Look for the line that reads, "Cipher Strength"
• This line should read, "128-bit supported.

If you use Netscape, follow three steps...

• Go to the Help menu and select "About Netscape" or About Communicator
• Look for the section, "Contains encryption software from RSA Data Security, Inc"
• The next paragraph must read, "This version supports U.S. security," for your browser to support 128-bit encryption.

Your Internet service provider must support Secured Socket Layers (SSL). To get information about upgrading your browser, follow the links below:

www.microsoft.com/windows/ie

http://cgi.netscape.com/cgi-bin/upgrade.cgi

About Security

Mid Penn Bank’s On-Line Banking product uses the latest “Secure Sockets Layer (SSL) with 128 bit encryption.  This is the strongest encryption available.  By using SSL Internet communications, interception of data is prevented.   For additional information, please refer to Mid Penn Bank’s On-Line Security Policy.

Note: Regarding Downloading Transaction History

Starting with Quicken 2005, the company Intuit (who distributes Quicken and QuickBooks) will no longer accept the downloadable file .qif. This is the .qif file that is currently offered for downloading on our website when you click the "download" link from the Account Summary Page or at the bottom of the page for each specific account history. QuickBooks and Quicken 2005 or later, do not accept the .qif file into it. Unfortunately, we do not offer any other capability for these software versions.  You can export your account information into a comma-delimited file for use in software such as Excel.

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A Certificate of Deposit (CD) is a savings instrument that allows you to lock in a fixed rate of interest on your account for a fixed period of time.  A CD investment provides a regular source of income for those customers who are seeking this type of product.  Most of Mid Penn Bank’s non-promotional CDs require only $500 to open an account.

• You choose the term for your investment to mature, from 3 months up to 10 years.
• You can receive interest monthly or, for tax planning purposes, have your interest paid quarterly, semi-annually, or annually.
• Receive your earnings by check or have your interest deposited directly into another Mid Penn Bank account.
• If you like, we'll reinvest the interest you earn back into your CD. You'll earn the same high rate your CD is currently paying.
• For unforeseen emergencies, you can make partial or complete principal withdrawals with a specified penalty. Or use your CD as collateral for a loan at special rates.

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A Burial Reserve Account is an interest bearing account set up for the sole purpose of paying your burial expenses upon your death.

• Payments go directly to the funeral home.
• Any funds remaining after payment of the burial expenses may be used for or towards the purchase of a cemetery lot or head stone, if needed.
• All monies remaining shall be paid to your Estate.  If no Estate has been established, the funds are then paid to your nearest living relative.
• The minimum deposit to open a Burial Reserve Account is $500.
• More than one Burial Reserve Account can be opened for an individual, as long as the maximum dollar amount allowed to be designated for burial expenses is not exceeded. The current maximum combined deposits for an individual's Burial Reserve Account balance is $10,000.
• You may choose to invest in any term CD between a three-year and a ten-year CD that Mid Penn Bank offers.

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Mid Penn Bank offers a typical savings account as well as Christmas / Holiday Clubs and Vacation Clubs to help you save money on your terms and for your specific needs.

• A Statement Savings Account is a flexible way to help you save money.
• You can make deposits and withdrawals quickly and easily without the need to present a passbook.
• You can link your Statement Savings account to your Visa® Check Card as a secondary account and access your funds at any ATM with your check card.
• You can establish a regular savings routine by scheduling to have automatic transfers from your Mid Penn Bank checking account.
• There is a small $25.00 balance required to open account.
• Maintain just $100 monthly balance to avoid the $5.00 monthly service charge fee.
• Minimum balance requirement is waived if primary owner is under the age of 18.

• A Christmas/Holiday Club allows you to set aside funds for Christmas or another special holiday.
• Christmas/Holiday Clubs are available in any denomination.
• You can contribute a specified payment each week with an automatic deduction from your checking or savings account.
• Payments are deducted every Friday.
• Receive a check in October for your account balance or have the balance deposited into another Mid Bank account.

• An All-Purpose Club allows you to set aside funds for vacation, taxes or any other purpose.
• Clubs are available in any denomination.
• You can contribute any payment amount at any time. You will be provided a coupon payment book to make your payments.
• Choose your own maturity date, up to two years from date account is opened. The account balance pays out on the 15th of the month, on the date you choose.

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Individual Retirement Accounts

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Mid Penn Bank offers a variety of loans to serve all of your personal borrowing needs, including:

Mid Penn Bank can offer you payment terms that fit your lifestyle and your budget, including loans that provide bi-weekly payment options.

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Mid Penn Bank is pleased to offer you on-line check ordering services for most personal checks.  To order checks on-line, you will need to sign into your secure on-line banking session.  Select “Other Services” at the top of the page and follow the screen prompts.  Please note that certain products, such as line of credit checks and deposit tickets cannot be ordered on-line.  Should you need to order items of this nature, please call Mid Penn Bank toll free at 1-866-6HAPPEN.  The on-line check-ordering feature makes ordering checks quick, easy and convenient.  Please note that any check discounts or free checks provided with certain account types will not reflect in the on-line pricing information, however, such discounts will be applied to your check purchase by the Bank.

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Mid Penn Bank makes it easy to begin the new account process.  Simply submit your new account information to the Bank in advance and we will prepare the new account paperwork, which will then be delivered to the branch of your choice, so that we can obtain the required customer identification and signatures to proceed with opening your new account for you.

Click here to open an account.

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