Online Banking
Personal Online Banking
Business Online Banking
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First Time User? | Bill Pay Demo

Personal Banking

We provide Service Beyond Expectation!


Personal Online Banking

Online banking enables you to bank directly from your internet enabled devises, whenever and wherever you want. All of your acccount information is safely and securely at your fingertips. You can view your balances, transfer funds, make loan payments and more!

Be sure that you sign up for online banking at as soon as you open your new accounts with us.

Once you login to Personal Online Banking, you will see the following:
Account Summary: This page has an overview of all of your accounts with Monument Bank. Just click on an account number for more detail on each individual account.

Account Activity: Clicking on account activity will show the posting date, type of transaction, check number, description and amount of transaction for the most recent transactions on that account. You can download this information into MS Money ® or Quicken ®

Transfer Funds: This option allows you to transfer funds between various checking and savings accounts that you have with us.
Loan Payment: Make a loan payment to Monument Bank from your checking or savings account.

Change Password: You can change the password on your Personal Online Banking account for added security.

* Call your branch for a full demonstration of our online banking features.

Personal Bill Pay

Monument Bank Bill Pay saves you valuable time. No more writing checks. Pay all your bills with just a few clicks.

Reduce the risk of incorrect payment- define your payees
Schedule single and recurring payment ahead of time
Visit Monument Bank or Contact Us for more information
about our Personal Online Banking and Bill Pay.


Free Checking Account

  • Non- interest bearing checking account
  • No monthly service charge
  • No minimum deposit to open
  • Free On-line Banking and Bill Pay
  • Free VISA® Check Card with unlimited transactions
  • No fee when you use your VISA® Check Card at Allpoint Surcharge Free ATMs


Golden Interest Checking Account

  • Interest bearing checking account
  • Check our rates
  • No monthly service charge  
  • No minimum deposit to open
  • Free On-line Banking and Bill Pay
  • Free VISA® Check Card with unlimited transactions
  • No fee when you use your VISA® Check Card at Allpoint Surcharge Free ATMs


Personal Money Market Account

MAKE YOUR MONEY WORK HARDER - If you typically maintain higher savings balances, take advantage of higher returns with a Money Market Account. You can't go wrong with competitive rates, no minimum balance requirements and no monthly maintenance fee.


Monument Bank Savings Account


Monument Student Savings Account

  • Earn interest while you save for future purchases- especially designed for our savers 18 years and younger
  • Interest bearing account
  • Check our rates
  • No service charge
  • No minimum deposit to open

Federal Regulation permits you to make up to six (6) transfers or withdrawals per month from your savings or money market account, including transfers to another account for overdraft protection, transfers made by telephone, or personal computer, also including transfers to a third party by preauthorized or automatic agreement, telephone or electronic and online transfers. Six (6) transfers may be by check, drafts, through point of sale purchases, with an ATM/check card or through similar payments to a third party.

Health Savings Accounts (HSA)

A Health Savings account is an account that you can put money into to save for future medical expenses. There are certain advantages to putting money into these accounts, including favorable tax treatment.

Monument Bank

Health Savings Accounts

  • Your Health Savings Account will be set up as a checking account.
  •  A Special VISA Debit Card is issued for the account.  The card can be used conveniently at a Doctor’s office, a pharmacy for approved purchases, or to pay for other medical related services & products.  If you have any questions about “qualified medical expenses”, please consult your tax advisor or the IRS at  look for the Publication 969.
  •  Free checks are provided for your convenience.
  •  We will charge a $2.00 monthly fee for each account.
  •  The account holder will receive a monthly statement and an Annual HSA statement.
  • There is no Minimum Opening Deposit
  • There is no Minimum Daily Balance to obtain APY
  • This is a variable rate account. 
  • The interest rate and annual percentage yield may change at any time.
  • Fees could reduce earnings on this account

 Quick Fact:

 Will my bank notify me if I’ve exceeded my allowable contribution amount?

No, it is your sole responsibility to keep track of the amounts deposited and spent from your account, just like a normal savings or checking account.

 Contribution Levels for 2014 / 2015:


Tax Year

Maximum Contribution

Plan Type


2014 / 2015

$3,300 / $3,350


Under 55

2014 / 2015

$4,300 / $4,350


55 or older

All Limits set by the Internal Revenue Service.

 Visit Monument Bank or Contact us for more information
about our Health Savings Accounts.



debit card


Using a Monument Bank Debit Card is more convenient than writing checks and safer than carrying cash.

  • Card is accepted at millions of locations
  • Every purchase is automatically subtracted from your checking account and your monthly statement provides a record of all of your card transactions
  • Monument Bank customers have access to over 32,000 FREE ATMs through the Allpoint network.
  • There is no service charge for using your card


certificates of deposits & iRA's

  • Interest compounds daily
  • Interest begins accruing on deposit date
  • Check our rates
  • Terms Available:
    • 3 months
    • 6 months
    • 9 months
    • 12 months
    • 18 months
    • 2 years
    • 3 years
    • 4 years
    • 5 years