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	Premiere One (Customers age 55 and older)	Student One (Students Only)	Value One	Money Market Premium Rate
Monthly Fees	No	No	No	Details	Details	Details
Interest Paid	No	No	Yes	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:

• FREE Debit/ATM Card
• FREE Access to all Liberty Alliance ATM Machines
• FREE Online Banking
• Bill Pay Service Available
• FREE Deposit Tickets (Select Styles)
• Direct Deposit Available
• Overdraft Privilege Available
• Overdraft Protection Available
• 24-Hour Automated Telephone Banking
• E-statements or Monthly Image Statements and Recordkeeping System
• Check Purchase Option-$17.25 Annual Fee Allows Free or Discounted Checks

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 to online customers 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 per in excess.  MBTC service fee waived only)
• FREE - 1st order of checks (blue specialty checks only)
• $300 overdraft privilege available
• E-statements

*Minimum opening deposit $25.  Earn $15 to open the checking account with direct deposit.  $10 for estatements.  Bring us your old checks and debit card and earn $25.  Appropriate amount will be credited when account is open and active for 90 days.  Bonus will be reported as interest income for tax purposes.  One $50 credit per household.  Offer may be withdrawn without prior notice.  Current customers who had a checking account with MBTC in the last 6 months are not eligible.

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Free Checking - A full-featured FREE checking account for individuals with low transaction volumes.

• 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

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Premiere One Checking - A FREE, interest earning checking account for customers 55 and older.

• Competitive interest rate paid on all balances **
• No minimum balance required ($25 minimum deposit required to open the account)
•  No monthly service charge
• No per check or per item fees
• $1,000 overdraft privilege available
• FREE Checks (Limited Styles)

**Account Balance Tiers:
Less than $5,000
$5,000 - $49,999
$50,000 or More

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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 ($1.00 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

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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

*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
  
  *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).