Personal Banking

Checking Accounts

Switch to MBT Checking Today

From Basic Checking to an account with enriched features and benefits such as Smart Checking, MBT will help you find a account that fits your needs.

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Minimum Balance

Monthly Service Fee


ATM Rebate

Smart Checking

> Smart Checking eClub login:  


With an MBT Smart Checking account, you’ll be covered by MBT’s identity theft protection service – IDProtect® which includes: credit file monitoring and alerts you to changes with Equifax, Experian and TransUnion, ability to request a 3-in-1 credit report every 90 days or upon receipt of a credit alert, and more.

Additional Benefits:

  • IDProtect®1*
  • Up to $10,000 in identity fraud expense reimbursement2*
  • Cell Phone Protection3*
  • Up to $10,000 Accidental Death & Dismemberment Insurance4*
  • Travel & Entertainment Discounts3
  • Vision, Prescription, Dental Discounts  (This is not insurance)3
  • MasterMoney Debit Card, including Debit Advantage TM
  • Buyer’s Protection & Extended Warranty Coverage3

Yes, when you: 

Use your debit card at least 15 times per month and 

Have one or more Direct Deposits or make two or more bill payments per month.


up to $10 rebate each month when you:

Use your debit card at least 15 times per month and 

Have one or more Direct Deposits or make two or more bill payments per month.

Basic Checking

This checking account has no minimum balance requirement and provides convenience, flexibility, and easy access to your funds.

The monthly fee is waived when you do at least one of the following: 

  • Use your debit card for 10 transactions
  • Set up Direct Deposit 
  • Make two or more automatic payments

$3.00, But can be waived 


Young Adult Checking

Designed for Young Adults ages 16-245 You get convenient access to your funds whether you’re working or attending college. 

     up to $10 rebate each month

Opportunity Checking

Designed for customers who need a fresh start. 

Consider this account if you’ve had no more than two overdrafts within the past 24 months and a letter from your former financial institution confirming that all outstanding balances have been paid.

After one year of keeping your account in good standing and properly managed, you may be eligible to upgrade to another MBT checking account. Some restrictions may apply.



  • Mobile Banking - 2222 Mobile Banking6
    Check account balances, transfer money and pay bills on-the-go with MBT mobile banking apps
  • Send Money Fast - 2220 Send Money Fast
    Pay anyone, anywhere using only their email address or mobile phone number with MBT's PopMoney Service
  • Online Bill Payment - 2230 Online Bill Payment7
    Pay all your bills quickly and easily online or with our Mobile App6. We'll cover the postage!
  • Mobile Check Deposit - 2286 Mobile Check Deposit
    Save time and a trip to the branch or ATM. Deposit checks on the go anytime, anywhere.
  • Deposit Rates - 2234 Deposit Rates
    View current deposit account rates.
  • Consumer Loans - 2235 Consumer Loans
    0.25% Discount on most Consumer Loans with Auto Deduct
  • Switch Kit - 2236 Switch Kit
    Ready to make the switch to MBT? We make it quick and easy to switch all your automatic payments and direct deposits
  • Online Banking - 2237 Online Banking
    View statements, monitor activity, pay bills, or transfer funds in just a few clicks.
  • MasterMoney<br>Debit Card - 2238 MasterMoney
    Debit Card
    Access your accounts 24/7 and have universal acceptance like a credit card.
  • Overdraft Services - 2239 Overdraft Services
    We encourage good record keeping, but realize mistakes can happen to everyone.


Non-banking benefits are available to joint account holders (unless otherwise noted). Non-banking benefits* are not available to a "signer", “custodian”, “rep payee” or "beneficiary" of the account who is not an account owner, businesses and their employees, clubs and/or churches and their members, schools and their employees/students. SOME BENEFITS DO REQUIRE REGISTRATION AND ACTIVATION.

1 IDProtect® service* is a personal identity theft protection service available to account owner(s) and joint account owner(s). Service is not available to a "signer" on the account who is not an account owner. Service is not available to businesses and their employees, clubs and/or churches and their members, schools and their employees/students.

2 Identity Theft Insurance* underwritten by insurance company subsidiaries or affiliates of American International Group, Inc. (AIG). Please refer to the actual policies for terms, conditions, and exclusions of coverage. Coverage may not be available in all jurisdictions. Description of Coverage will be included at account opening.

3 Information regarding this benefit will be provided at account opening.

4 Plateau Insurance Company of Crossville, TN. will be our Accidental Death & Dismemberment Insurance* underwriter. For questions regarding claims or your coverage, call 1-866-210-0361 Description of Coverage will be included at account opening.

5 16 and 17 year olds without an account co-owner who is 18 or older are not eligible for check access and are restricted from making deposits at ATMs. This account will automatically be eligible for check access and ATM deposit ability on the account owners 18th birthday.This account will automatically convert to a Smart Checking account on your 25th birthday.

6 Mobile Banking is a free service from MBT. However, you may be charged access rates depending on your carrier. Web access is needed to use Mobile Banking. Check with your service provider for details on specific fees and charges.

7 A $7.00 inactivity fee for MBT Online Bill payment applies if the account goes unused for 30 days. The fee stops on the next billing cycle if online bill pay is resumed.

* Insurance products are not insured by FDIC or any Federal Government Agency; not a deposit of or guaranteed by the bank or any bank affiliate.
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