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Personal Checking

Morgantown Bank & Trust offers a variety of checking account options to serve you. With FREE Internet Banking, FREE BillPay and FREE 24-Hour Telephone Banking – no matter where you are, you’re Home.

And Morgantown Bank & Trust’s Online Banking is FREE with ANY Checking Account!

Enjoy the convenience of accessing your account information 24 hours a day. Morgantown Bank & Trust’s Online Banking lets you:

• Pay your bills electronically
• Review your account balances
• Confirm that your checks have cleared
• Transfer funds
• Record ATM or Debit Card transactions

EASY CHECKING

Our most flexible checking account allows you unlimited check-writing privileges and no monthly service charge.  Open the account with an initial deposit of $500.00 and we’ll throw in 2 complimentary boxes of checks.  Open it with less than $500.00 and we’ll still throw in 1 box of complimentary checks.

• Minimum Opening Balance - $100.00
• No Monthly Service Charge
• Unlimited Check Writing
• No monthly minimum balance required
• FREE  Online Banking
• FREE Online Bill Payment
• FREE 24-Hour Telephone Banking
• Notary Service
• Overdraft Privilege Program (certain restrictions apply)*
• ATM/Visa Debit Card Availabl

DIRECT DEPOSIT LIMITED CHECKING

This account is specifically for those customers where direct deposit is mandated by your employer or Social Security.  No personalized checks or debit cards are issued.   All account withdrawals must be made at the Bank.  Rather than being charged each time you make a withdrawal, you will pay a low monthly service charge.

• Direct deposit mandatory
• One withdrawal allowed per direct deposit
• Monthly service charge of $10
• All withdrawals must be made at the bank

NOW ACCOUNTS

The best of both worlds – Interest Checking provides the convenience of a checking account while earning interest like a savings account. Unlimited check writing with no per check charges.

BANCLUB ACCOUNTS

BanClub members receive BanClub checks free of charge as well as accidental death and dismemberment insurance, plus free products and much more all for a low monthly fee.

• Minimum opening deposit - $100
• No minimum balance requirement
• Free BanClub personalized checks or 20% discount on designer checks
• Special trips
• Accidental Death Insurance
       Basic Insurance: $10,000.00 coverage is $8.00 per month
       Family Insurance: $30,000.00 coverage is $10.00 per month
• Handy Card
• Overdraft Privilege (certain restrictions apply)*
• Internet Banking
• No issue fee for Cashiers Checks
• Payment Card Protection
• Purchase Protection and Extended Warranty
• Credit Alert
• Credit Information Hotline
• Medical Emergency Data Card
• Rx Advantage Prescription Drug Program with NationsHealth Medical Supply Pharmacy and Mail Order  (Medical Discounts are NOT insurance)
• Identity Theft Insurance
• Identity Fraud Support Service

*Overdraft Privilege

For selected accounts, there will be a pre-approved Automated Overdraft Privilege limit of $500. Whether we pay or return overdraft items for you, you will be charged our normal NSF/Insufficient Funds Fee for each item presented (currently $30 for each item). For consumer accounts, there is a maximum of (3) insufficient funds/NSF fees that can be accessed per account per day.  Also for consumer accounts any transaction of $4.99 or less that overdraws the account, will not be charged an Insufficient Funds/NSF fee for that transaction.  For consumer accounts, if by paying an overdraft the amount the account is overdrawn is $4.99 or less, then an Insufficient Funds/NSF fee will not be accessed. Both the amount of the overdraft items and all applicable fees are included in this limit.

Overdraft Privilege will be available for all checks written, in-person withdrawals, ACH transactions, preauthorized automatic transfers, and Internet banking. Overdraft Privilege will not be available for ATM and everyday debit card transactions unless you authorize the bank by completing an ATM/Debit Card Consent Form.

NOTE:  If you have consented to Overdraft Privilege for ATM transactions, please verify your balance before initiating an ATM cash withdrawal. All overdrafts will be subject to our $30.00 overdraft fee for each withdrawal (with a maximum of (3) per account per day for consumer accounts) until the account returns to a positive balance.

Just continue to make regular deposits to your account - sufficient to bring your account to a positive balance (not overdrawn) at least once every 30 days. Also, you must not be more than thirty (30 days) past due on any bank obligation to qualify for Overdraft Privilege. Whether your overdrafts will be paid is discretionary and we reserve the right not to pay. For example, we typically do not pay overdrafts if your account is not in good standing, or you are not making regular deposits, or you have too many overdrafts.

MBT High Yield Omega - "The last Money Market Account you will ever need"

• High yielding Money Market Account.
• Minimum Opening balance is $5,000
• Maximum of 6 withdrawals/transfers per statement cycle.
• $10.00 service charge per withdrawal/transfer after 6 allowed per statement cycle.
• $5,000.00-$10,000.00 pays our regular stated money market rate.  $10,000.01 and above minimum daily balance pays our Omega rate.
• $10.00 service charge if balance drops below $5,000
• Interest does not accrue on days that the balance drops below $5,000.
• Interest is paid on the collected balance.
• Requires primary checking account and delivery of statements electronically.
• Free online banking
• Free 24-hour telephone banking
• Monthly imaged statements