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Additional Features

Overdraft Protection

Now you can have peace of mind with an automatic withdrawal of funds from a linked M&M Bank savings account whenever you have insufficient funds in your M&M Bank checking account. Money can be automatically swept from your savings account to your personal checking account to prevent returned checks.

  • There is no charge to link to your savings account
  • Funds are advanced to your checking account in increments of $100
  • You can review your overdraft transactions through M&M Bank Online Banking
  • A small convenience fee applies for each transaction.

Direct Deposit

Direct deposit is a safe and secure way to have your money deposited into your checking or savings account. Your deposit is electronically transferred into your account on an agreed upon date saving you the time of cashing a check yourself. It's that simple.

Why Use Direct Deposit?

Security: With direct deposit, you don't have to worry about lost, stolen and misplaced checks.

Reliability: You no longer need to wait for your check to arrive in the mail. You can have peace of mind knowing your money will always be in your account on time.

Convenience: No more special trips to cash your check - save time and gas money.

Debit Cards

M&M Bank offers MasterMoney(R) Debit Cards issued through the MasterCard(R) network. Discover the simplicity of accessing your checking account at millions of merchants worldwide without having to write a check.


Another quick and simple way to access your accounts. Simply call (866) 740-4662 to access your account balance; transfer funds between your M&M Bank account; get a list of recent deposits, withdrawls and paid checks; and much more.

Safe Deposit Boxes

Safe Deposit Box rental is available at our Channon Drive (Channahon) and Cass Street (Joliet) locations. A variety of box sizes are available for your needs.

If you have any questions, please give us a call, visit one of our convenient branch locations or contact us using our online form.


U.S. Savings Bonds are going paperless in 2012. Learn More.