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Deposit Accounts

You can feel secure in the knowledge that your money is guaranteed by the FDIC*. Managing your money has never been more convenient, and we provide you with a choice of accounts and 24 hour access to make it even easier.

Please Note regarding your tax refund:

When electing to have your tax refund electronically deposited into a checking or savings account, please make sure that the account number is correct. Tax refunds with incorrect account numbers will be returned to the issuing party.


Overdraft protection is available for all Bank of Millbrook checking accounts.
If you are interested, stop by or call the loan department for an application.

Personal Checking

Keep a low minimum balance in your account and pay no fees. Plus, you get 24 hour
access to your money through our international ATM network and online banking.

Money Market Account

A great solution for short-term savings of larger amounts, designed for stability,
income and easy access to your money. Up to 6 transactions each month.

Now Account

Checking with interest for people who write a lot of checks. Keep the
minimum balance, and you’ll get unlimited checks with no fee.

Super Now Account

Higher interest rate checking for people who have fewer checks to write.
There is a per check fee for Super Now accounts.


Personal Savings

No minimum balance is required to open an account.
Interest is accrued daily on balances over $150.00.

Certificate of Deposit

A certificate of deposit or CD is a time deposit. CDs are similar to savings accounts
in that they are insured and thus virtually risk-free (CDs are insured by the FDIC).
They are different from savings accounts in that the CD has a specific,
fixed term (three months, six months, or one year).

Individual Retirement Account

An Individual Retirement Arrangement (or IRA) is a retirement plan account
that provides some tax advantages for retirement savings. There are several
different kinds including a Traditional and a Roth. To learn which is right
for you, please call one of our specialists to assist you.

School Banking

The Bank of Millbrook partners with Seymour Smith School in Pine Plains, NY & Dutchess Day School
in Millbrook, NY. The partnership includes going to the schools and
opening school banking savings accounts for the students.

Christmas Club

Old fashioned? If a fun way to save is old-fashioned, so be it.
Call it the day after Christmas Club if you like, and see what a
year of saving a little bit every week does for you.


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