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Checking Accounts


At Mifflinburg Bank & Trust we understand that you need a checking account with services tailored to fit your unique needs. For your comparison, listed below are our most popular checking accounts with benefit services exclusively chosen to compliment specific checking account needs.

   Online Checking Free Checking Primary One Student One (Students Only) Value One Money Market Premium Rate
Monthly Fees

No

No Details Details Details Details
Interest Paid

No

No

No

No

Yes

Yes

ATM/Debit Card

Yes

Yes Yes Yes Yes Yes
Overdraft Privilege

Yes

Yes Yes No Yes No
Online Banking

Yes

Yes Yes Yes Yes Yes
Bill Pay/via Online Banking

Yes

Yes Yes Yes Yes No
 Bonus Features Details  Details  Details  Details  Details  Details

 

FREE Services Included With Personal Checking Accounts:

  • Debit/ATM Card
  • Access to all Liberty Alliance ATM Machines
  • Online Banking
  • Deposit Tickets (Select Styles)
  • E-Statements or Monthly Image Statements (Select Accounts)
  • Direct Deposit (Click for printable form)
  • Overdraft Privilege (Details)
  • Overdraft Protection Available
  • 24-Hour Automated Telephone Banking

If you have overdraft privilege on your checking account...Did you 
OPT-IN?

If you want us to authorize and pay overdrafts on ATM and everyday debit card transactions, OPT-IN by calling a 
MBTC Call Center Representative at 570-966-1041 or 888-966-6282; stop in at a local branch to verbally authorize us; or submit an online message (online banking customers only.)

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Online Checking - A FREE checking account packaged with premium benefits available online only.  No minimum balance required ($25 minimum deposit required to open the account.)

  • No monthly service charge or annual fee
  • No check or per item fees
  • FREE Bill Pay (limited to 20 monthly transactions)
  • FREE 5 foreign ATM transactions per statement cycle ($1.50 per in excess.  MBTC service fee waived only)
  • FREE - 1st order of checks (blue specialty checks only)
  • $300 overdraft privilege available
  • E-statements required

Open Now!

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Free Checking - The checking account with optimal convenience and accessibility.

  • No minimum balance required ($25 minimum deposit required to open the account.)
  • No monthly service charge or annual fee
  • No per check or per item fees
  • $500 overdraft privilege available
  • E-statements

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Primary One Checking - A full featured traditional checking account.

  • No monthly service charge for customers maintaining one of the following:
    • monthly direct deposit
    • or $500 minimum balance
    • or $1000 minimum balance in a MBTC savings account
  • 30 checks maximum per monthly cycle (.20¢ each over 30)
  •  $500 overdraft privilege available
  • E-Statements

 

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Student One Checking A feature rich account for college or high school students.

  • No minimum balance requirement ($25 minimum deposit required to open the account)
  • No monthly service fee or annual fee
  • FREE - First order of checks (Specialty Style Only)
  • FREE 5 foreign ATM withdrawals per statement cycle ($1.50 per in excess.  MBTC service fee waived only)
  • FREE 5 checks processed per statement period ($0.50 per in excess)
  • UNLIMITED (FREE) Transactions - Point of sale, ATM, ACH, phone transfers, online transfers
  • E-Statements

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Value One Checking A high value, full featured, interest earning checking account.

  • UNLIMITED (FREE) Transactions - Point of sale, ATM ACH, phone transfers, online transfers
  • Interest earned according to balance tiers*
  • No monthly service charge if minimum balance maintained of $1,000 per statement cycle.  $5 charge per month if balance falls below minimum.  ($25 minimum deposit required to open the account)
  • 30 checks allowed per monthly statement ($0.20 per in excess)
  • $1,000 overdraft privilege available
  • E-Statements

*Account Balance Tiers:
$0         - $4,999
$5,000 - $49,999
$50,000 or More

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Money Market Premium Rate Account A premium rate of interest is earned when a higher balance is maintained on this account with limited check writing capability.

  • Premium interest rate earned when 2nd checking account is opened and maintained
  • Higher interest rate earned than our regular MMA account without a 2nd checking account
  • Premium interest rate earned according to balance tiers*
  • Interest compounded monthly
  • No monthly service charge if minimum balance maintained of $5,000 per statement cycle.  $15 charge per cycle if balance falls below $1,000.  $10 charge per cycle if balance falls below $2,500 and is at least $1,000.  $5 charge per cycle if balance falls below $5,000 and is at least $2,500.
  • FREE 6 withdrawals, 3 may be checks, per statement cycle ($10 per in excess)
  • FREE On-Line Banking and FREE Bill Pay Service
  • E-Statements

    *Account Balance Tiers:
    $0          - $2,499 
    $2,500   - $4,999
    $5,000 - or more

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For complete details Contact Us Now at any of our office locations, or call toll free 1-888-966-MBTC (6282).