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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


New account opening unavailable after January 1, 2020.



Ready to Open Your Account?

Give us a call today or stop by one of our branches. No appointment necessary.

Contact Us


Do More with Your Account

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Looking for more ways to invest?

Certificate of Deposit


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Compare our current interest rates

Rate Sheet


Safety Deposit Boxes

Keep your valuables safe.

Safe Deposit Boxes



Not Sure Which Account is Right for You?

Use our Compare Accounts tool to help you decide.


*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.