MNB Business Banking

24 Hour Banking

There are various ways to access Millbury National Bank 24 hours per day, every day of the week.

Local ATM's

Millbury Main Office
Drive-Up ATM
24 hour access
18 Main Street
Millbury, MA 01527

Grafton Branch
Walk-Up ATM
24 hour secure access
215 Worcester Street
North Grafton, MA 01536

SUM/Plus/NYCE

Millbury National Bank ATM's are a member of the SUM, Plus, and NYCE networks. You can access any ATM machine within these networks worldwide. Transactions at Millbury National Bank ATM machines are always free. ATM transactions at SUM, Plus, or NYCE may be subject to charges and/or surcharges.

Click here to download an ATM Application

Telephone Banking

It's fast and it's easy. You can obtain current Millbury National Bank balances, see what checks have been paid, make loan payments and even transfer money between your Millbury National Bank accounts. It's convenient for you whether you're working at home or relaxing away on vacation. You can bank where ever there's a phone.

Internet Banking

Take advantage of 24 hour banking in the comfort of you own home. You can inquire on balances, review account activity, and initiate transfers between Millbury National Bank accounts.

Click here to download an Internet Banking Sign-Up Form

Checking Accounts

Business Checking Accounts

A Business Checking Account provides your business a permanent record of payments with a monthly statement and all of your cancelled checks. Gain convenient 24 hour access to you account using ATM and Debit cards. Businesses receive an earning credit based on average account balance to offset monthly service charges. ATM and Debit cards are subject to normal credit approval.

Click here to download a Stop Payment Form

Business Money Market

Business Money Market Accounts pay higher interest for higher account balances. These accounts are ideal for businesses who want competitive interest rates and need only limited access to their funds. Money market accounts have limited check writing privileges.

Savings Accounts

Statement Savings Accounts

A Business Statement Savings Account allows you to earn interest on your working cash. You receive quarterly statements and a fixed interest rate on your balance. Funds may be easily accessed using an ATM card. Limited monthly withdrawals are allowed. ATM cards are subject to normal credit approval.

Certificates of Deposit ~ CD's

Certificates of Deposit offer premium interest rates. Accounts mature after 6 months, 12 months, 18 months and 2 years. Longer maturity pays higher interest rates. Early withdrawals are not permitted without penalty. Balances can be automatically rolled over at maturity.

Business Loans

Lines of Credit

Millbury National Bank offers several types of business credit lines. For businesses with seasonal sales, get a line of credit that allows you access to funds during slow sales periods and lets you pay down the balance during heavy sales periods. The credit line balance must be paid out annually.

Another business credit line option is a revolving working capital loan. Similar to the seasonal credit line, it does not require an annual pay out but may have other restrictions.

Business lines are renewed each year based on the previous years financial performance and are collateralized by business assets.

Term and Equipment Loans

Term loans are available to assist you with equipment purchases or other fixed assets that your business may need.

Click here to download a Commercial Loan Application

Real Estate Loans

Construction and commercial real estate loans are available for your business or for investment purposes.

Click here to download a Commercial Real Estate Application

Other Services

Business Debit Cards

Pay for your business purchases without carrying cash or writing checks. Make purchases at retailers wherever you can use MasterCard. Purchase amounts are deducted directly from your Millbury National Bank business checking account. At the same time, have quick and easy access your Millbury National Bank checking account 24 hours a day. Business Debit cards are subject to normal credit approval.

Click here to download a MasterMoney Debit Card Application

Business Cash Reserve

Business Cash Reserve is an unsecured loan that will protect you from overdraft charges should you overdraw your business account. Cash reserve amount is determined at the time of application.

Merchant Accounts

Accept MasterCard and Visa at your business. Attract new customers, improve profits and provide alternate methods of payment to your customers in today's competitive business environment.

Treasury Tax and Loan Payments

Conveniently make treasury tax and loan payments to the federal government. Process payments for income, excise withholding, and social security directly through the bank.

Wire Transfers

Transfer funds electronically into your accounts, or from your Millbury National Bank accounts to accounts at another banks. Allows you to shift funds between concentration accounts for business customers having checking accounts in multiple locations.