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The Maries County Bank Review

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The Maries County Bank Savings
0.20% APY
1. Overview 2. How We Rated It 3. Products Offered 4. Branch Locations

Overview

Established in 1900, The Maries County Bank has assets totaling $463 million along with deposits totaling $376 million, classifying the institution as a medium-size bank. The Maries County Bank, whose headquarters are in Vienna, Missouri, lacks premium access to customer service, with no options for live chat or all-day service. It is a conventional brick-and-mortar bank with in-person service, in addition to its online and mobile offerings. SmartAsset has rated the bank 4.4 out of 5 stars, which means The Maries County Bank is a great bank that you should seriously consider. The Maries County Bank offers a complete choice of product offerings, which include savings accounts, checking accounts, money market accounts, CDs, IRAs, mortgage products and credit cards. It has a fair savings rate; you can find higher rates with other banks. If you're interested in stress-free personal checking, The Maries County Bank offers an option without a monthly fee. Institutions that offer no-fee checking and a high savings APY are the best bet for getting the most income on your deposits alongside easy access to your money.

How We Rated It

SmartAsset's Overall Rating

4.4/5
National Average: 4.1

The overall rating is a weighted average of rates, fees, service quality and financial health.Read more

Rates

3.4
SmartAsset Average: 3.5

The Maries County Bank has a savings rate of 0.20%, which is poor in comparison to the national average. Its one-year CD has a rate of 0.70% and the five-year CD has a rate of 2.57%, while its highest-yielding money market account has a rate of 0.25%. Given The Maries County Bank's noncompetitive savings rate, you should consider other options to earn more on your deposits.

How The Maries County Bank's Savings Rates Compare

The Maries County Bank Savings 0.20 National Average 0.26 Compare Offers
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Fees

5.0
SmartAsset Average: 4.4

The Maries County Bank has typically extremely low fees in comparison to the national average. The Maries County Bank's checking account has no monthly fee, ranking it excellent for anyone looking for a simple account. The Maries County Bank unfortunately does not refund out-of-network ATM charges, which means you will be required to search for a The Maries County Bank ATM or accept the fee.

Monthly Fee $0 National Average: $3.21
Non-network ATM Fee N/A National Average: $1.20
Overdraft Fee N/A National Average: $35.00
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Service Quality

4.1
SmartAsset Average: 3.7

The Maries County Bank is a brick-and-mortar bank, with 11 total bank locations in Missouri. With mobile and web apps, The Maries County Bank makes account access straightforward, even on the go. It does not provide access to all-day customer service with representatives. You can get help during its customer service hours, which are Monday through Thursday, 8:30 a.m. to 4:00 p.m. CT; Friday, 8:30 a.m. to 5:00 p.m. CT; Saturday, and 8:00 a.m. to 11:00 a.m. CT. The Maries County Bank's online and mobile banking platforms get relatively decent feedback from customers. The The Maries County Bank mobile app scored a 4.2 out of 5 (out of 43 reviews on iOS and Android) compared to the national average of 3.8. The Maries County Bank's mobile app lets you manage your bank accounts by looking at current statements, sending and receiving funds and accessing customer service. The Maries County Bank gets an outstanding consumer satisfaction score based on relatively few complaints reported to the Consumer Financial Protection Bureau (CFPB), a government agency that protects consumers in the financial sector.

Overall Mobile Rating 4.2/5
Consumer Satisfaction Rating 5.0/5
Online Banking Portal No
Live Chat No
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Financial Health

4.9
SmartAsset Average: 4.8

The Maries County Bank is a medium-size bank owning $463 million in assets as well as $376 million in deposits. The Maries County Bank has an excellent Texas Ratio of 2.28%, suggesting a low probability of failure. Additionally, The Maries County Bank is FDIC-insured, meaning that your money is insured up to $250,000, even in the event of bank failure.

Texas Ratio Analysis

The Texas Ratio, a measure of a "bad assets" against available capital, can provide an early warning sign of bank failure. A low ratio indicates smaller chance of failure; a higher ratio suggests greater risk.

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Compare The Maries County Bank to Other Competitive Offers

Products Offered

Product Current Terms and Rates Minimum Balance for APY
Savings Account 0.2% APY $1
Checking Account 0.2% APY $500
Certificates of Deposit
  • 12 Month: 0.70% APY
  • 24 Month: 0.85% APY
  • 36 Month: 1.00% APY
  • 48 Month: 1.11% APY
  • 60 Month: 2.57% APY
$1000 for all terms
Money Market Account 0.25% APY $1000

The Maries County Bank has several deposit products including savings accounts, checking accounts, money market accounts and CDs that provide you with many options to manage your money. The Maries County Bank does not have the best savings rate, which means you should consider other options for banks that deliver more return for your money. CDs can be a terrific option to achieve higher returns, but there are limitations to accessing your money. The Maries County Bank's CD rates are fair compared to the national average.

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Find a The Maries County Bank Near Me

The Maries County Bank has 11 physical locations across the U.S.

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