Frequently Asked Questions


  1. Do I need to enroll in MCT Online Banking to receive E-Statements?
    Yes. To receive E-Statements you will first have to be enrolled in MCT Online Banking.
  2. How do I enroll in the E-Statement Option in MCT Online Banking?
    1. Log onto MCT Internet Banking
    2. From the left side menu options, select: Services and then select: Electronic Statements
    3. You will be prompted to read an Electronic Agreement.
    4. Agree to the terms and conditions
    5. Click the box at the bottom of the of the e-sign agreement, which will trigger a verification code sent to your e-mail address on file.
    6. Click continue
    7. Enter the verification code you received via e-mail.  Note; if the verification code is not received within 24 hours, please contact the Direct Banking Center at MCT
    8. Choose the accounts for which you wish to receive E-Statements
    9. Click “Submit” and the request will be on it’s way to MCT
    10. A message will appear that reads as follows “You have Selected Account(s) xxxxxx to receive Electronic Correspondence”.
    11. Once enrolled, e-statements do not take effect until the following month
  3. Is there a fee for E-Statements?
    No. E-Statements are FREE! There is no fee to view your statements online.
  4. How many months of statements are available online?
    Up to 24 months or 2 years from the time you enroll in the E-Statement option.
  5. How will I know when my statement is available to view online?
    An email alert will be sent to the primary email address on file every time a new statement is ready to be viewed. If you have more than one account enrolled, you will receive an alert for each account. The email will not contain the statement; you will need to logon to MCT Online Banking in order to view your statement.
  6. If I change my mind about receiving E-Statements, may I change back to paper statements at any time?
    Yes. Simply go into Services>Electronic Statement and unclick the accounts you wish to change back to paper and click “Submit”. You will receive an acknowledgment that reads as follows “You have Removed Account xxxxxx from receiving Electronic Correspondence” There is no charge for this service.

Mobile Banking

  1. How do I enroll in Mobile Banking?
    You must first enroll in MCT Internet Banking. If you are already a MCT Internet Banking customer you can access Mobile Banking by using the following steps:
    1. SERVICES > MOBILE BANKING and click the ENROLL BUTTON. You will be instructed to include your mobile number(s) and choose one of the three options available as well as the accounts you wish to view. The enrollment process for Mobile Banking is both quick and easy. There are no MCT fees to use this service. However, Message and Data Rates may apply through your wireless carrier.
    2. The services below are the options available through Mauch Chunk Trust Mobile Banking. We have provided a brief explanation of each service to help you decide what service will best meet your needs.
  2. Why Use Mobile Browser Banking?
    Get full and extended mobile banking capabilities on your web-enabled phone. Receive an optimal banking experience with a look and feel that is similar to PC-based online banking, in a site designed to fit neatly into your phone's screen.
  3. Why Use a Downloadable Application?
    Get a convenient application for your iPhone or Android phone that provides an intuitive and rich user experience consisting of easy-to-navigate screens and menus. Receive all the benefits of mobile browser banking, enhanced by your phone's unique features. MCT uses the TouchBanking application for mobile banking and it can be downloaded from the App Store or Google Play.
  4. Why Use Text Banking?
    Send text commands (such as BAL) to the bank from your SMS-enabled phone to inquire about basic account balance and transaction history information. Receive text message responses directly to your phone.
  5. What should a Mobile Banking user do if their device is lost or stolen?
    If a Mobile Banking user’s device is lost or stolen, you will need to log into MCT Internet Banking locate Services>Mobile Banking>Manage Devices>choose the My phones tab>in the drop down options choose>Stop using this phone for Mobile Banking. This action will unregister your Mobile Banking device. If you locate your Mobile Banking device you will need to reenroll in MCT Mobile Banking and register your Mobile Banking device.
    Don’t forget to contact your cellular/mobile device carrier to report your device lost/stolen as soon as possible. 
  6. How much does Mauch Chunk Trust Mobile Banking cost? 
    Mauch Chunk Trust will not charge you a fee when you utilize our Mobile Banking service, when you are sent an alert, when you send a text message command to (31727) Mauch Chunk Trust’s shortcode, or when you receive the corresponding reply to a text message command. However, Message and Data Rates may apply through your wireless carrier. Please make sure you understand the terms of your mobile agreement before taking advantage of these services.
  7. How do I download and install the Mobile Banking App?
    Follow the prompts within MCT Internet Banking for Mobile services. Go to iTunes or Google Play and search TouchBanking or you can have a link sent to your phone with a link to the app. Once you have the Mobile Banking app you can download it onto your mobile phone. You will need to enter the app code to activate: MCTmobile
  8. Do all mobile carriers and devices support the Mobile Banking App?
    Unfortunately not all carriers and mobile devices support the Mobile Banking App. However, more carriers and devices are being added regularly, so if your mobile carrier or device isn't supported, please try again in the future. Blackberry is not supported for the downloaded app, but Blackberry users can try the mobile browser.
  9. What is a shortcode used in text message banking? 
    You can think of a short code as a web address for your cell phone. Instead of a URL such as, shortcodes are five- or six-digit numbers that represent a certain destination. MCT’s shortcode for communication is 31727.
  10. I have a prepaid plan. Can I use Text Message Banking? 
    Mauch Chunk Trust Text Message Banking will work with most prepaid plans, but we are unable to guarantee that your carrier supports our five-digit shortcode 31727. 
  11. Who do I contact if I need help with Text Message Banking? 
    Send a text message to us at (31727) that includes only the word "HELP". We will send you a text message with help in a few minutes. Alternatively, you can go to: click into Customer Education to get an in-depth look at how to use all of the mobile services associated with Mauch Chunk Trust Online Banking.
  12. What are the commands available for Text Message Banking? 
    The following commands are examples of text commands available for use with Mauch Chunk Trust’s (31727) shortcode:
    • BAL: Retrieve the available balances on all of your accounts.
    • HIST + [account nickname]: Retrieve a history of transactions on your nicknamed account(s).
    • HELP: Get additional service information.
    • ATM+[zip code]: Nearby ATMs
    • BRANCH+[zip code]: Nearby Branches
    • STOP: Unsubscribe from Mauch Chunk Trust Text Message alerts.

Personal Banking

  1. What documents do I need to open a personal account?
  • Driver’s license-current, state-issued, valid, with photo OR-
  • Identification card- current, state-issued, valid, with photo OR
  • Passport-current, valid, with photo, or
  • Alien Registration-current, valid, with photo
  • Your social security number.

Business Banking

  1. What documents do I need to open a business account?
  • Sole Proprietor-the same documents as a personal account.
  • Corporation- Articles of Incorporation and Company By-Laws.
  • Limited Liability Company (LLC) – Articles of Organization and Company Operating Agreement.
  • Partnership – Partnership Agreement.
  • Your employer identification number (EIN) or your tax ID number (TIN)


  1. What documents do I need to apply for a mortgage?
    • On All Applications
      • Photo ID
      • Social Security Card
      • Pay stubs covering last 30 days
      • Two years of W2 forms from all employers
      • Two years of personal tax returns (signed with all pages) - including most current year
      • Last 60 days of all bank statements including savings, checking and investment (All pages required front and back)
    • Refinance
      • All Documents Listed Above
      • Last Statement For All Debts Being Paid
      • Front Page of Home Insurance Including Premium Amount
    • Purchase
      • All Documents Listed Above
      • Agreement of Sale
    • Additional Documents May Be Applicable
      • Evidence of Alimony/Child Support Paid or Received
      • Last 2 Years Business Tax Returns (Self-Employed or Commissioned)
      • Awards Letter for Social Security Recipients
      • HUD 1 Settlement Statement if Selling Home
      • Separation Agreement or Divorce Decree
      • Non-Citizens: Proof of Lawful Residence
    • Construction Loans
      • Construction Agreement Signed By All Parties
      • Specifications and Plans
      • Well and Septic Permits

Commercial Loans

  1. What will I need to apply?
    • Information about your business:
      • Business name and address
      • Type of business organization
      • Business Tax ID number (TIN), annual sales, number of employees
    • Information about each business owner:
      • Name, Home Address, Social Security Number, Title, Personal Financial information
    • The dollar amount, type of loan you are applying for and collateral information 
    • Up to two years of income tax returns - including most current year

 Routing Numbers

MCT Routing Number: 031307701

Want to find a different routing number?  Use this convenient search tool provided by the ABA.


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