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
Free Checking |
Personal Checking |
Personal Checking Plus
|
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 - $750 limit |
X |
X |
X |
X |
|
Mobile Application, Text and Email Alerts |
X |
X |
X |
X |
|
Mobile Deposit* |
X |
X |
X |
X |
|
Free ATM/MasterMoney Debit Card |
X |
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 |
X |
|
Special Features |
No fee on Money Orders! |
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! |
*Per item limit is $2,500. Daily deposit limit is $2,500
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 |
Yes - compounded monthly on all balances (4 tiers) |
$25 |
|---|
Check out the Transitions Account rates
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