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Business Banking

Business Management Services

The responsibilities of running your own business don't stop at the end of a work day. That's why MCT is there for you, 24 hours a day, 7 days a week. We make sure you have access to your accounts and the information you need to manage your cash flow around the clock. We keep your money working hard for you!

Business Management Services Options » Business Internet Banking » Cash Management
» MCT Easy Pay For Business » Business Sweep Account » MCT MasterMoney Business Debit Card
» Merchant Bankcard Services » Payroll Direct Deposit » Telephone Banking » Other Services

Business Internet Banking

We have your security in mind!

Please view the following video for more information in support of our security and login requirements for Business Internet Banking.






Access your business accounts 24 hours a day, 7 days a week, from the convenience of your home or office PC or mobile device. The system will even integrate with many popular accounting programs.

  • Check balances and account activity in any of your MCT business accounts
  • Transfer funds between your MCT business accounts
  • Place Stop Payments on checks
  • Monitor end-of-day balances on Checking, Money Market, Savings and Loan accounts
  • View and print Checking, Money Market and Statement Savings account statements
  • View detailed information of all transactions you have conducted within Internet Banking
  • Send and receive secure messages to and from the bank
  • Access MCT EasyPAY for Business and pay bills online
  • Access to MCT Cash Management system designed for companies with multiple users and a need to track transactions
  • And more!

To enroll for Business Internet Banking, click here or visit one of our offices. We'll complete your enrollment form and assign you a Customer ID and a Temporary Password. Click here for an online demo.

Fight back against identity theft!   Convert your paper statements to electronic by enrolling in MCT E-Statements
Read our E-Statements F.A.Q.

Cash Management

The MCT Cash Management product allows business customers convenient access to their financial information 24-hours a day, 7 days a week. From simple online reporting to a full cash management solution for your business, Cash Management offers powerful tools to get the job done.

With Cash Management, you can save time, improve your cash flow, and streamline your cash management procedures all in a fully secure environment. You can:

  • View account information
  • Check transactions
  • Schedule payments
  • Transfer funds
  • Wire transfer to other institutions
  • Define access levels and set transfer limits for each employee-user
  • Initiate stop payments

Contact the Mauch Chunk Trust Company to learn how to sign-up for this service. We will work with you to establish the appropriate plan and service levels for your individual business needs.



MCT Easy Pay for Business

Easy Pay for Business is secure, easy, convenient and FREE for the first three months after you sign up! After the third month, you'll pay just a small monthly fee for up to ten transactions per month*.

This online service allows you to spend more time focusing on the growth of your business and less time on paperwork. And time - as we all know - is money! MCT Easy Pay for Business is the bill payment solution for your small business. Secure, flexible, convenient, and oh-so-much faster than issuing all those checks!

With MCT Easy Pay Business, you get:

  • Pay Virtually Anyone. From the local bakery to a Fortune 500 Company.
  • Same Day/Next Day Payments. Payments can often be received in as little as one business day, even that same afternoon if necessary.
  • Group Payments into Categories. Organize your utilities, cable and phone into a folder.
  • Receive eBills. Green, more convenient, more secure and easier to manage.
  • Reminders. Receive updates through email when you receive a bill, or when it's due.
  • Automatic Payments. Great for bills that stay the same each month.
  • Search Bill History. Search by company, date and status, the moment you need an answer, wherever you are.
  • Message Center. Get quick answers to questions you might have.
  • Completely safe. More secure than mailing paper checks.
  • 855-826-9739 Toll-free telephone support and secure online messaging support available 7 days a week from 7:00 a.m. - 2:00 a.m. EST

We're convinced that once you start using Easy Pay for Business, you'll never go back to paying bills the "old" way.

Ready to sign up? If you are already an Internet Banking customer, just sign on as you normally do. Choose "Click here to access your business bill pay account" and "Enroll". Or click here to Enroll in Internet Banking. Contact the Electronic Banking Department at MCT for more information: 570-325-0539

* A transaction fee applies to each transaction that exceeds 10 per month.



Business Sweep Acount

The MCT Business Sweep Account program allows you to earn interest on your idle cash balances. The program automatically transfers funds from your business checking account into an investing/repurchase account.

  • Operating funds earn a variable money market interest rate
  • Simple and fully automated, reducing the time you spent managing your excess funds
  • Comprehensive monthly statement for easier recordkeeping with balance information available online

Download the MCT Sweep Account Product Paper

MCT MasterMoney Business Debit Card


FOR YOUR SAFETY:  If you are traveling outside of the USA, Canada, Mexico or the US Virgin Islands please contact the Electronic Banking Department directly at 570-325-0539 to ensure uninterrupted use of your card.

The MCT MasterMoney Business Debit Card works like a personal debit card, but the transactions are deducted from your existing MCT Business Checking Account. With the MCT MasterMoney Business Debit Card, you can:

  • Make purchases everywhere MasterCard is accepted.* Your card is welcome for payment worldwide at millions of merchants, over the phone, even the Internet.
  • Get cash at ATMs 24 hours a day, everyday.* Use your card at thousands of MasterCard/Maestro/Cirrus ATM locations at home and abroad to access your MCT Business Checking Account.
  • Save time & eliminate the hassles of writing checks. No more wasting time waiting for check and order approvals, and reconciling your petty cash account.
  • Take control of company expenses. Choose from two levels of access to your MCT Business Checking Account for your cardholders – Full Access, which includes ATM withdrawals, point-of-sale purchases and balance inquiries, or Partial Access, which allows purchases and balance inquiries only.
  • Enjoy easier record keeping. A comprehensive monthly statement makes it easy to monitor employee spending, identify tax deductions, fill out expense reports, and separate business and personal expenses.
  • Take advantage of valuable purchase protection & travel security. Enjoy FREE benefits like extended warranty, theft/damage protection, emergency travel assistance & lost luggage protection.

*The standard overall daily debit limit per Card is $2,000 – $500 for cash withdrawals and $1,500 for purchases. A business will be able to set limits for each Card that are lower than the standard daily limit, if desired. Higher limits are available if you qualify.

Access MasterCard SecureCode here.

Lost your card?  The toll free number on the back of it is: 1-800-523-4175

Merchant Bankcard Services

This service, provided through First Data, enables merchants to accept MasterCard/Visa credit and/or debit cards as payment for customer purchases.

  • Increase cash flow and improve your bottom line
  • Reduce the risk of credit fraud
  • Easier acceptance process than with personal checks
  • Less chance of charge-backs
  • Fees and costs vary depending on processing options, equipment prices, type of service, and type of maintenance required

Payroll Direct Deposit

Manage your payroll more efficiently and enable your employees to receive their pay electronically.

  • Reduce costs associated with issuing standard payroll checks and increase your operating efficiencies
  • Provide a secure method of payment eliminating the possibility of lost or stolen checks
  • Your employees will benefit because they no longer need to wait in a teller line to cash a paycheck
  • Employees can simply withdraw funds from their account by writing a check or using an ATM machine
  • Any employee can utilize direct deposit, regardless of where they bank.

Telephone Banking

You can bank with us 24 hours a day

Express Phone Banking is your connection to Mauch Chunk Trust Company, giving you immediate access to the information you need most often. With Express Phone Banking, you can quickly and easily:

  • Make account balance inquiries
  • Determine the last sixty transactions on your checking, savings, or money market account
  • Verify social security deposits as well as other electronic funds or ATM transactions
  • Verify interest paid and earned information during tax time
  • Make transfers and loan payments
  • Receive up to the minute rate and product information

Using Express Phone Banking

Before using MCT’s Express Phone Banking, make sure you have your account number(s) handy. Also have your Personal Identification Number (PIN) available. The last four digits of the primary account holder’s social security number or tax ID number have been assigned as your initial PIN. The first time you access your accounts you will be required to change your PIN to any other four digit number that only you know.

Call our Express Phone Banking service from any touch tone phone.

325-9MCT (9628)
1-888-325-MCTC (6282)

Wait for the greeting, then follow the simple instructions given to you over the phone. You will be offered a series of menu selections from which to choose. To access these selections from the Opening Menu given, simply press the corresponding number(s) on your telephone.

Other Services

MCT offers an abundance of services to make your banking as simple and convenient as possible.

  • Night Deposits - As an MCT business checking customer, there’s no need to keep cash overnight or on weekends. You can make deposits 7 days a week after business hours at our convenient night depositories located at the North Street, Pine Point Plaza, Railroad Station, Lehighton and Hometown offices.
  • Wire Transfers - Transfer or receive funds from/to your MCT business checking or savings account, from/to an account holder at another bank, anywhere within the U.S. and internationally.
  • eStatements - convert from paper to electronic with our MCT eStatements.  Convenient, secure and environmentally friendly!  Enrollment in Internet Banking is required.