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Senior Gold


Spend time doing things you love, not worrying about account fees!
Customers 55 and up can get a Senior Gold Account and enjoy free checking with a good rate of return. Plus lots of other great benefits like free checks, complimentary safe deposit box, and more!



  • Must be 55 and up
  • Earn interest on balances over $1,000.00
  • $4.00 monthly fee if balance falls below $0.00
  • Unlimited check writing
  • Free Senior Design checks*
  • No fee on cashier’s checks and notary service
  • Free 3×5 Safe Deposit Box rental for one year
  • Visa® check card**
  • Free e-Receipts
  • Free Online Banking with Bill Pay
  • Free eStatements
  • Free Telephone Banking
  • Overdraft protection available**
  • Direct Deposit available
  • FDIC insured
  • $100 deposit to open


*Additional Information: $100.00 minimum deposit is required to open the account. Free Senior Design checks are limited to 1 order (approximately 100 checks) of Murphy-Wall State Bank and Trust Company Senior Gold Design per year. Limit 1 account per social security number / individual taxpayer identification number. Contact one of our bank customer service representatives for additional information, details, restrictions, processing limitations and enrollment instructions. Member FDIC.


**On approved credit. Fees may apply.