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.  To see a comparison chart of our checking accounts, click HERE.

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!

  • No daily minimum balance
  • FREE paper statements w/ images
  • 2 FREE boxes of basic checks per year
  • No MBT fee on foreign ATM transactions
  • Only $8 monthly service charge
  • Identity Theft & Security Center Program (including Restoration Rescue®)
  • AD&D Insurance coverage up to $10,000
  • Exclusive access to GenGold.com and member only discounts
  • Automatic 12 month extension on most consumer merchandise warranties
  • Interest bearing if minimum daily balance is $1,000 or above (Prevailing Rate)
  • 2 FREE Stop Payments per year
  • 3 FREE Cashier’s Checks per month
  • Exclusive access to savings on GenGold.com
  • Exclusive savings at these Local Businesses

Click to Learn More

Easy 50 GenGold® Checking

An account with a ton of BENEFITS and opportunities to SAVE for those 50 years and older.

  • Only $5 monthly service charge
  • INCLUDES all the benefits listed above
  • PLUS One penalty FREE Certificate of Deposit Withdrawal per year (18 month term or less only)

E-Checking

An account with no monthly service charge!

  • No daily minimum balance
  • No monthly service charge

Easy Checking

Service charge fee waived if 62 or older.

  • FREE first box of basic checks
  • FREE paper statements
  • Only $8 monthly service charge if minimum daily balance falls below $100

Easy Plus Checking

An interest bearing account with a ton of perks.

  • 2 FREE boxes of basic checks per year
  • FREE paper statements w/ images
  • FREE MyPix or School Spirit Debit Card (1 per year)
  • Only $8 monthly service charge if minimum daily balance falls below $2,500
  • Interest Bearing when minimum daily balance is $2,500 or above (Tiered Prevailing Rate)
  • No MBT fee on foreign ATM transactions
  • Rebate ATM fees (up to $6 per month)
  • No issue fee for MBT Visa Gift Cards
  • 50% off Stop Payment charges
  • $100 off closing costs for Primary Residence MBT Mortgage loans over $50,000
  • 1% reduction in published rate on Non-Mortgage Consumer Loans

Student Checking

Perfect checking account for those ages 16 thru 23.

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

Second Chance Checking

Designed for those who have experienced banking challenges in the past.  

  • No minimum daily balance required
  • Only $10 monthly service charge

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.