Personal Banking

Personal Checking

Whether you seek the convenience of a free debit card or the efficiency of reliable online banking, our checking accounts offer several valuable features and options to suit anyone’s personal banking needs.

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Savings, CDs, and IRAs

Morgantown Bank & Trust offers a variety of savings account options. Enjoy convenient account access with FREE Online Banking and FREE 24-Hour Telephone Banking. Our friendly Customer Service Representatives will assist you in selecting the best account to suit your needs.

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Online and Mobile Banking

Fast, safe, and secure. Learn more about Morgantown Bank & Trust Online and Mobile Banking here.

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Debit Cards

All checking accounts are eligible to receive a FREE Standard Debit Card at account opening.  To earn money for your school of choice, choose a School Spirit Card!  Learn more about our Debit Card options below.

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Morgantown Bank & Trust Credit Cards

We offer credit cards for individuals as well as small business owners featuring a variety of advantages. From fraud monitoring to competitive APRs, Morgantown Bank & Trust knows what’s important to you.

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Trust and Estate Planning

No matter your financial needs, a Trust makes the most efficient and profitable use of your resources. Our Trust Services will provide you peace of mind that your trust needs are being handled according to your wishes.

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More Services

24 Hour Telephone Banking

Allows you to retrieve your account information 24 hours a day, 365 days a year.

All you need is a touchtone phone, your account information will be right at your fingertips.

Phone: (270) 526-5577
Toll Free: (866) 526-5577


Overdraft Protection and Privilege*

If money is running a little short, we have options available to protect you from returned checks and excess fees. We offer the ability for our customers to transfer funds automatically from designated accounts or existing lines of credit.  Eligible account types will be given a discretionary $250 Overdraft Privilege limit at account opening. Once the account has been opened for 30 days it will be removed from the initial offering and future discretionary limits may be given based on the same criteria as all other accounts.

* Terms, Conditions and Fees apply to our Overdraft Protection and Privilege products. There is a fee of $30.00 each time you access Overdraft Privilege with a daily maximum of four (4) insufficient funds/NSF fees that can be accessed per account per day.  You can access Overdraft Privilege by writing checks, in-person withdrawals, ACH transactions, preauthorized automatic transfers, and other electronic transactions.  Overdraft Privilege service will only be available for our customers’ ATM and everyday debit card transactions if they authorize the bank by completing a consent form.  For Overdraft Privilege customers, you have 30 days to bring your account back to a positive balance.  Whether overdrafts are 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, if you are not making regular deposits, or if you have too many overdrafts.


Lost or Stolen Mastercard® Debit Card

If your Morgantown Bank & Trust Mastercard® Debit Card is lost or stolen please call immediately:

During business hours: (270) 526-3881
After business hours: (800) 500-1044


Safe Deposit Boxes

Store valuables, important documents and keepsakes in one of our convenient safe deposit boxes located at our Main Office and Highway 70 Branch in Morgantown; as well as our Morgantown Road Branch in Bowling Green. Renter receives 2 keys which are required to be returned if box is closed. Key Replacement charges will apply ($50 each) if not returned. Deposit account is required. Safe Deposit Boxes are NOT insured by the FDIC.


General Services

  • Wire Transfers
  • Cashier’s Checks
  • Direct Deposit
  • Gift Cards

Some of the services described above require a separate signed agreement and fees may apply. See your Morgantown Bank & Trust Customer Service Representative for details.