Checking

Checking Account Comparison

Everyone has bills to pay. It’s one of the few things you can count on in life. Why make it more difficult than need be? Our checking accounts are specially crafted to meet your needs – no matter what your goals may be. Combine with MCT Easy Pay to make bill pay drudgery a thing of the past.

Enjoy FREE convenient mobile or internet banking access, no matter which product you choose. Our 24-hour toll free Express Phone Banking is also available in case you need it!

Reach your financial goals more quickly by linking your MCT checking account with our Dream Builders Savings. Make certain the most important person gets paid first – yourself - by transferring a designated amount each month. And watch your savings grow!

Unlimited transactions plus FDIC insured to the highest limits permissible. Exactly what you can expect from the neighbors you know, bankers you trust.

Check out our current deposit rates              Contact our Customer Service Team

Checking Account Comparison
 

Free Checking

Personal Checking 

Personal Checking Plus
(formerly Royal 50)

Select Checking

  No-hassle, no-cost solution for those who only need the basics! Perfect for the busy lifestyle you lead! Free MCT Easy Pay - our bill pay solution and eStatements to eliminate the paper clutter! A checking solution featuring some great perks such as free club style checks and free MCT Easy Pay - our bill pay solution.   Perfect for those who maintain a higher account balance. Earn a higher interest rate for trusting us with your business!

Minimum to Open

$25.00 $25.00 $25.00 $25.00
Minimum Balance to Avoid Monthly Service Charge n/a  $200 daily minimum or
$1,000 in related combined deposit account balances including this checking account or
Direct Deposit relationship
$500 daily minimum or
$3,000 in related combined deposit account balances including this checking account
$5,000 daily minimum or $25,000 in related combined deposit account balances including this checking account
Interest

None

None

Yes - compounded monthly on all balances Yes – compounded monthly on balances greater than $5,000 & $10,000 (2 tiers)

Monthly Service Charge

n/a

$8 

$10

$25
ATM Fees Unlimited transactions at MCT ATMs
$2.00 for each foreign ATM Transaction
Surcharges may apply
Unlimited transactions at MCT ATMs
$2.00 for each foreign ATM Transaction
Surcharges may apply 
Unlimited transactions at MCT ATMs
$1.50 for each foreign ATM Transaction
Surcharges may apply
Unlimited transactions at MCT ATMs
No Fee for each foreign ATM Transaction
Surcharges may apply

Optional Overdraft Privilege -   $500 limit

X

 X

X

X

Mobile Application, Text and Email Alerts

X

 X

X

X

Free ATM/MasterMoney Debit Card

X

X

X

Free e-statements

X

X
(required) 

X

X

Free Internet Banking

X

X

X

X

FREE MCT Easy Pay Bill Pay Service 

   X

X

X

Free Club Style Checks

 

 

 X

 X

Free Direct Deposit

X

 X

X

X

Safety Pay - Overdraft Transfer

X

X

X

Special Features

   

No fee on Money Orders!
10% annual discount on Safe Deposit Box rental

Bonus interest rate on one Companion Investor’s Money Market Account

No fee on Money Orders!

No fee on Treasurer's Checks!

No fee on Stop Payments!
10% annual discount on Safe Deposit Box rental

Specialty Checking Accounts

Transitions Account

The loss of a loved one proves to be a difficult time for everyone involved.  The MCT Transitions Account was specifically designed to act as a short term vehicle to accommodate estate and insurance proceeds.  Due to the nature of this account, ATM access is not available.

  Minimum to Open Minimum Balance to Avoid
Monthly Service Charge
Interest Monthly Service Charge

Transitions

$25.00

$5,000 daily minimum
(waived for first 12 months)

Yes - compounded monthly
on all balances (4 tiers)
$25

Check out the Transitions Account rates

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