A New Way to Earn More From Your Everyday Banking
From Maple City Savings Bank, Follow MCSB on Facebook
Maple City Savings Bank is proud to introduce Thrive Checking, a new lineup of free checking accounts designed to help local families and businesses earn more, without monthly maintenance fees or complicated requirements.
Maple City Savings Bank focuses on serving the financial needs of Hornell and the surrounding communities. Thrive Checking is the next step in that commitment. Simple, rewarding accounts built for how people bank today.
Two Ways to Thrive
With Thrive Checking, customers can choose the account that fits their lifestyle:
Thrive Interest Checking
Earn 3.50% APY* on your balance, turning your everyday checking account into a powerful earning tool. There are no monthly maintenance fees, no minimum balance requirements, refunds on ATM withdrawal fees*, and qualifications are easy to meet.
Thrive Cash Back Checking
Prefer rewards when you swipe? Earn 3.50% cash back on debit card purchases*. Like all Thrive accounts, there are no monthly maintenance fees, no minimum balance requirements, refunds on ATM withdrawal fees*, and simple qualifications.
Pair It With Thrive Savings for Even More Growth!
Customers who open either Thrive Interest Checking or Thrive Cash Back Checking can also open Thrive Savings and earn 2.00% APY* on their savings balance.
It’s a straightforward way to make both your spending and your saving work harder, automatically.
Built for Real Life
Thrive Checking was designed with everyday banking in mind:
- No monthly maintenance fees
- No minimum balance requirements
- Easy-to-meet qualifications
- Local decision-making and customer service
- Digital banking tools for convenience and control
In a time when many financial institutions are increasing fees and reducing personal service, Maple City Savings Bank continues to invest in products that put customers first!
Local Banking That Puts You First
As a true community bank, Maple City Savings Bank understands the needs of local families, small businesses, and individuals. Decisions are made locally. Service is personal. And relationships matter.
Thrive Checking reflects that, by rewarding customers simply for doing what they already do: using their checking account.
Whether you’re looking to grow your balance with competitive interest, earn cash back on everyday purchases, or maximize your savings potential, Thrive Checking offers a flexible option that works for you.
Now Available
Thrive Checking accounts are now available at Maple City Savings Bank. Stop by a branch, call, or visit online to learn more about how you can start earning more with your everyday banking.
Visit Maple City Savings Bank and start thriving today!
*APY=Annual Percentage Yield. APYs accurate as of 11/17/25. Rates may change after account is opened. Minimum to open is $25. If qualifications are met each monthly qualification cycle: (1) Domestic ATM fees incurred during qualification cycle will be reimbursed up to $20 and credited to account on the last day of monthly statement cycle; (2) balances up to $15,000 receive APY of 3.50% and (3) balances over $15,000 earn 0.25% APY on the portion of the balance over $15,000, resulting in 3.50%-0.25% APY depending on the balance. If qualifications are not met on Thrive Interest all balances earn 0.05% APY. Qualifying transactions must post to and settle Thrive Interest account during monthly qualification cycle. Transactions may take one or more banking days from the date transaction was made to post to and settle account. ATM-processed transactions do not count towards qualifying debit card transactions. “Monthly qualification cycle” means period beginning one day prior to the first day of the current statement cycle through one day prior to the close of the current statement cycle. The advertised Thrive Interest APY is based on compounding interest. Actual interest amount paid may be less than advertised Thrive Interest APY. ATM receipt must be presented for reimbursement of an individual ATM of $5.00 or higher. Limit one account per SSN.
*Reward Information: When Thrive Cash Back qualifications are met during a Monthly Qualification Cycle, you will receive (1) 3.50% cash back on up to a total of $290.00 debit card purchases that post and settle to the account during that cycle period. A maximum of $10.00 cash back may be earned per Monthly Qualification Cycle. Transactions may take one or more banking days from the date transaction was made to post to and settle account. ATM-processed transactions do not count towards qualifying debit card transactions. You will also receive (2) reimbursements up to $20 for nationwide ATM fees incurred during the Monthly Qualification Cycle in which you qualified. When Thrive Cash Back qualifications are not met, no cash back payments are made and ATM fees are not refunded. Cash back payments and ATM fee reimbursements will be credited to your Thrive Cash Back account on the last day of monthly statement cycle. Rates and rewards are variable and may change after account is opened.
*APY=Annual Percentage Yield. APYs accurate as of 09/15/2023. Rates may change after account is opened. Minimum to open is $25 for Thrive Savings. Interest earned in Thrive Interest is automatically transferred to Thrive Savings each statement cycle and does not compound. Actual interest amount paid may be less than advertised Thrive Interest APY. The Thrive Savings APYs may be less than Thrive Interest APYs. If qualifications in Thrive Interest are met each monthly qualification cycle: (1) balances up to $20,000 in Thrive Savings receive an APY of 2.00%; and (2) balances over $20,000 in Thrive Savings earn 0.25% interest rate on portion of balance over $20,000, resulting in 2.00% – 0.25% APY depending on the balance. If qualifications are not met on Thrive Interest, all balances in Thrive Savings earn 0.05% APY. ATM receipt must be presented for reimbursement of ATM fees of $5.00 or higher. Transfers between accounts do not count as qualifying transactions. Limit one account per Social Security Number.
