Checking Accounts

Checking UserWe offer a broad range of accounts, so you can have exactly the type of account that suits your needs.  Be sure to check out our newest offering, GenGold® Checking; with tremendous opportunities to save!   You’ll be sure to find the right checking account at Morgantown Bank & Trust.

Every new personal checking account includes:

Now supporting Apple Pay, Android Pay and Samsung Pay!!

Easy GenGold® Checking

An account with a ton of BENEFITS and opportunities to SAVE!

  • FREE MBT logo checks or 50% discount on other styles
  • FREE paper statements w/ images
  • Only $8 monthly Membership Fee
  • Interest bearing if minimum daily balance is $1,000 or above (Prevailing Rate)
  • Identity Theft & Security Center Program (including Restoration Rescue®)
  • AD&D Insurance coverage up to $10,000
  • Automatic 12 month extension on most consumer merchandise warranties
  • 2 FREE Stop Payments per year
  • 3 FREE Cashier’s Checks per month
  • Exclusive savings on and member only discounts
  • Exclusive savings at these Local Businesses

Click to Learn More

Easy Plus Checking

An everyday interest bearing checking account.

  • FREE 1st box of MBT logo checks
  • FREE paper statements ($2 for images)
  • Monthly Service Charge $8.00 (Service Charge waived if 62 or older)
  • $100 Minimum Daily Balance to Avoid Monthly Service Charge
  • Interest Bearing when minimum daily balance is $2,500 or above (Tiered Prevailing Rate)


An account with no monthly service charge!

  • FREE 1st box of basic MBT logo checks
  • No daily minimum balance
  • No monthly service charge

Student Checking

Perfect checking account for those ages 16 thru 23.

  • MBT will put initial $25 deposit in your account
  • FREE 1st box of MBT logo checks
  • No minimum deposit required
  • No minimum balance required
  • No monthly service charge
  • FREE MBT School Spirit Debit Card


Note:Other fees such as non-sufficient funds, overdraft, sustained overdraft fees, etc. may apply. See fee schedule for details.  Unless stated, minimum opening deposit is only $100. Ask us for details. Bank rules and regulations apply.  Interest and other Miscellaneous Income will be reported on 1099-INT or 1099-MISC. If under 18 years old, must have an adult co-owner on account.