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Personal Banking

Checking


Personal Checking Accounts »
Free Checking » Select Checking » Royal 50 Checking
»
Transitions Account


 

MCT FREE Checking

 MCT has extended the boundaries of convenience and value with MCT Free Checking. This checking plan eliminates all the hassles and costs sometimes associated with other checking accounts.

  • Open with as little as $25.00
  • No minimum balance
  • No monthly service charge
  • Unlimited check writing, deposits, and transfers
  • FREE MasterMoney™ Debit Card
  • STAR ATM access with no transaction fees at MCT ATMs
  • FREE Internet Banking
  • FREE 24-hour toll free "Express Phone Banking"
  • Dream Builder automatic savings
  • Direct Deposit
  • Monthly statement without check images (paper or E-Statement)
  • MCT Easy Pay
  • FDIC insurance coverage

Free Checking at MCT

It’s the solution you’ve been waiting for from MCT, the bank you can count on for convenience, personal service and dependability.

For more than 100 years, the neighbors you know, bankers you trust at MCT have provided fast, professional and personal service.

We listen.
We offer solutions.
We’re there for you, 24 hours a day, seven days a week.
We promise.

 


 

Select Checking

MCT's "Select Checking" account pays customers competitive variable interest rates on tiered balance ranges.  All of the privileges of Select Checking are available to you by simply paying a small monthly fee or avoid the monthly fee by maintaining the required minimum balance in your checking account. 

Additional features include: 

  • Open with as little as $25.00
  • Unlimited check writing, deposits, and transfers 
  • Competitive interest rates paid on balances of $3500 and higher
  • Bonus interest rate on one Companion Investor's Money Market Account
  • FREE MasterMoney Debit Card
  • STAR ATM access with no transaction fees at MCT ATMs
  • FREE Internet Banking
  • FREE 24-hour toll free "Express Phone Banking
  • Dream Builder automatic savings
  • Direct Deposit
  • Monthly statement (paper or E-Statement)
  • MCT Easy Pay
  • FDIC insurance coverage 

Please see a Customer Service Representative or Sales Associate who will fully explain the MCT Select Checking Account to you.

Click here for Current Deposit Rates.


 



 

Royal 50 Checking

The Royal 50 Checking Account is exclusively for our valued customers over 49 years old. Royal 50 Checking was developed by our customer service staff to respond to your unique financial needs by providing a program that offers better value at an attractive price.

Features:

  • Open with as little as $25.00
  • FREE personalized checks
  • No minimum balance required to earn interest
  • Unlimited check writing, deposits and transfers
  • FREE MasterMoney Debit Card
  • STAR ATM access with no transaction fees at MCT ATMs
  • FREE Internet Banking
  • FREE 24-hour toll free "Express Phone Banking"
  • Dream Builder automatic savings
  • Direct Deposit
  • Monthly statement (paper or E-Statement)
  • MCT Easy Pay
  • No Fee Personal Money Orders  
  • Annual 10% discount on Safe Deposit Box rental
  • FDIC insurance coverage

All of the privileges of Royal 50 are available to you by simply paying a small monthly fee or avoid a monthly fee by maintaining a minimum balance in your checking account and/or any combination of MCT accounts, including savings, money market or CD accounts.

Please see a Customer Service Representative or Sales Associate who will fully explain the value of MCT’s Royal 50 Checking Account package to you.

Click here for Current Deposit Rates.


 




 

Transitions Account

The MCT Transitions Account is designed for the customer who needs a short-term, high-yield, interest-bearing checking account to handle estate and insurance proceeds. There is no minimum balance required to earn interest and there are four interest-earning tiers based on the daily balance. The interest accrues daily and is deposited to the account on a monthly basis.

Features:

  • Open with as little as $25.00
  • Unlimited check writing, deposits and transfers
  • No monthly service fee during the first 12 months the account is open
  • FREE initial order of 150 safety paper checks
  • FREE Internet Banking
  • FREE 24-hour toll free "Express Phone Banking"
  • Monthly check imaged statement (paper or E-Statement)
  • FDIC insurance coverage