Personal Banking
Checking Accounts
With a variety of accounts and additional features like Online Banking and Online Check Orders, The Scottish Bank makes managing your checking account easy. We’ll help you find the right account for your lifestyle and budget!
Scottfree Checking
Our most popular, no-hassle account offers all the perks and no fees!
- No monthly fees
- No minimum balance
- Unlimited check writing
- Phone and Online Banking with Free McBillPay
- VISA® CheckCard
- First order of standard checks at no charge
- Free eStatements
e:Checking**
What does e: mean to you?
To us, it means an account that’s e:co-friendly, e:lectronic, and e:arns interest.
Our e:checking account pays our highest interest rates of any Scottish Bank checking account. Combined with paperless extras, you’ll e:arn money, enjoy the convenience of e:lectronic services, and help maintain a clean e:nvironment.
Aren’t you the savvy one?
- Free unlimited ATMs anywhere
- Free VISA® CheckCard
- Free Online Banking, eStatements and BillPay
- Free Phone Banking
- Free eStatements
Wisteria Club
Interest Bearing Checking for ages 50+
Are you 50 years old or better? We have an account you won’t believe! In addition to all the great benefits below, you also receive special invitations to bank-sponsored trips around the world, social gatherings and financial planning seminars – all designed with you in mind.
- $1000 minimum opening balance
- Monthly Statement with imaged checks
- Free personalized specialty wallet-style checks or credit toward an upgrade to the style of your choice
- Free 3" x 5" x 21" safe deposit box or credit toward an upgrade
- Safe deposit log for important documents and valuables
- Phone and Online Banking with Free McBillPay
- VISA® CheckCard
- Bonus Rates on Standard Certificates of Deposit.
- Free Standard Travelers' Cheques and Cashier's Checks
- Free Notary services
- Free Photocopy services
- Free Bank-by-mail service
- Free eStatements
- Wisteria Club members can sponsor a Scottie Club member by maintaining a Certificate of Deposit of $10,000 or more or maintaining an Edinburgh Savings Account
- Quarterly newsletter with latest news and events
MacDonald Investment Checking
Interest Checking
Enjoy unlimited transactions, earn interest, and avoid a monthly fee by maintaining a specified minimum balance. If you write a lot of checks, want to earn interest on your account, and are willing to maintain a minimum balance, this is the account for you.
- $100 minimum opening balance
- Earns interest
- Unlimited check writing
- Phone and Online Banking with Free McBillPay
- VISA® CheckCard
- Free eStatements
Highlander Checking
Tiered Premium Interest Checking
Highlander Checking offers high value and expanded benefits, while paying a higher interest rate than MacDonald Checking.
- $100 minimum opening balance
- Earns interest
- Free personalized specialty wallet-style checks or a credit toward upgrade
- Phone and Online Banking with Free McBillPay
- VISA® CheckCard
- Four free official checks per month
- Free Travelers Cheques
- Free 3" x 5" x 21" safe deposit box or credit toward upgrade
- Free Standard Travelers' Cheques, or Cashier's Checks
- Free Notary services
- Free eStatements
St. Andrews Money Market*
Earn money market interest rates while enjoying convenient access to your account
- $1,000 minimum opening balance
- Earns money market interest rate
- Free eStatements
Round Up to Save
Each time you use your VISA® CheckCard, we'll round up your purchase to the next dollar and transfer the excess amount automatically into your Scottish Bank Savings Account.*
In addition, The Scottish Bank will match 5% of your contributions, up to $250 maximum annually. So, pay yourself each time you make a purchase and watch your savings grow.
*Scottish Bank Personal and Savings Account Required.
Reorder Checks
Reorder your checks online
VISA® CheckCard
Your VISA® CheckCard works just like a credit card except your purchases are deducted directly from your checking account. This card is accepted at most locations throughout the world that accept VISA®. It also functions as your ATM card.
Thistle Reserve1
Avoid the expense of accidentally overdrawing your account. With no annual fee, Thistle Reserve4 acts as a convenient unsecured line of credit linked to your checking account. Applications are available at any Scottish Bank branch.
1Subject to credit approval.
*Federal regulations allow you to make any number of withdrawals and transfers in person, at ATMs, or by mail. However, you may not make more than six (6) other types of transfers (including by telephone, Phone Banking, and Online Banking) or withdrawals per monthly statement cycle, with only three (3) of these by check or other transfers to thrid parties.
**Minimum opening deposit $50. To earn maximum APY customer must use debit card at least 10 times per statement cycle, have at least one direct deposit or automatic draft per statement cycle, receive eStatements, and have a balance of $25,000 or less. Amounts over $25,000 will earn 0.05% APY regardless if criteria are met. If one or more of the criteria are not met, or for amounts over $25,000, customer earns 0.05% APY for the month. e:checking product is for personal accounts only. Member FDIC.