Debit Cards

Morgantown Bank & Trust Debit Cards—The Convenient Way to Pay!

  • Pay for purchases big and small at millions of retailers worldwide.
  • Keep track of your debit card purchases anytime, anywhere with online banking, mobile banking, text banking and/or alerts.
  • Schedule reoccurring payments and pay monthly bills faster and easier.
  • Withdraw cash, check your balance and transfer funds at any Morgantown Bank & Trust ATM.
  • Get access to cash at any SUM or MoneyPass® network ATM nationwide without incurring any foreign ATM fees.

Card Types

We offer a variety of card choices as unique as yourself.

Standard Debit Cards

Standard Debit CardAll checking accounts are eligible to receive a FREE Standard Debit Card at account opening.  All of our Debit cards are back by the security and reliability of Mastercard® and can be used anywhere Mastercard® is accepted.  As an extra layer of security, all of our Mastercard® Debit cards are equipped with EMV chip technology.  Click here to learn more about EMV chip technology.

Custom Card Options

Take a look at our spirit cards, which help raise money for the area school of your choice.

Since inception of the program in 2013 , School Spirit cards have helped raise over $76,800 for area schools. (In 2016 alone, the total was $27,314.04)


School Spirit Cards

Get a School Spirit Card and help raise money for the school of your choice.

School Spirit Cards

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Activating a New Card or Changing your PIN

When your new card arrives, follow the instructions on the mailer.  If you no longer have the mailer, you can call 1-866-633-5293 and follow the prompts on the automated line to activate your new card and choose your PIN.

Please note: when calling this automated system, you will need to be calling from a phone number on file.

If you’d like to change your current PIN, you can call 1-866-633-5293 and follow the prompts.  You will need to know your current PIN.

If you have forgotten your PIN, you may call Bookkeeping at (270) 526-3881 during regular business hours to receive a temporary PIN.  After receiving a temporary PIN, you would then call 1-866-633-5293 to set up a permanent PIN.


Stay in control of your finances.

Online Banking:
Review each debit card purchase in detail and check your monthly statement and check images with Online Banking.

Text Banking:
Start your day knowing how much money is in your account with a quick text message.

Mobile App:
Check your account virtually anytime, anywhere by downloading our Morgantown Bank & Trust Mobile app.

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Built-in security and safety features.

Real-time fraud monitoring:
Our Fraud Monitoring Service will contact you if fraudulent activity is suspected.

Text Alerts:
Sign up for free and we’ll text you a summary of the transaction and your available balance each time your card is used.

Added Security:
A chip adds another layer of security to cards when used at a chip card reader.  Learn more about EMV chip cards at

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Faster than checks. Safer than cash.

Speed through checkout lanes by paying for all your everyday purchases with your MBT Debit Card.

Use your Debit Card instead of cash or checks; it is accepted for payment at millions of merchant locations worldwide.

Pay for items or bills over the phone or online using your MBT Debit Card, including utilities, memberships and more.

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