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CONTACT WHY CHOOSE MBTC CAREERS LOCATIONS & ATMS
How do I open an account?
You can easily open an account online. Visit our Personal Checking and Personal Savings & CDs pages for more information. You can also visit one of our offices to open an account. Visit our Locations & ATMs page for a list of office locations and hours.
Where can I find Mifflinburg Bank & Trust’s routing number and my account number?
Mifflinburg Bank & Trust’s routing number is 031309686. The routing number and your account number can both be found at the bottom of your checks as seen in the image below.
Is there a fee to cash an MBTC check?
No, there is no fee.
What is the daily limit for my debit card?
The daily limit is $500.00.
Are my funds immediately available in my account?
Yes, they are immediately available no matter what time of day unless a hold is placed on a deposit, which you will be notified of at the time of deposit.
Can I order checks through the bank?
Yes! Give us a call or stop in at one of our branches. You can also order here.
Do you sell money orders?
No, we do not sell money orders.
What is an ACH transfer?
Automated Clearing House (ACH) is a network that electronically processes transactions for financial institutions. These transfers typically take a few business days to process and for the money to be available in the receiving account. When you transfer funds from an account at one bank to an account at another bank over the internet, or when you pay a bill online, you are likely completing an ACH transfer. If you receive a direct deposit, perhaps for your pay check, you are likely receiving an ACH transfer. An ACH transfer is the most common form of electronic money movement.
What is a wire transfer?
A wire transfer is a form of electronic money movement that moves the money real-time from the sending account to the receiving account at another bank. These types of transfers are less common and require you to pay a fee, sign a funds transfer request form and interact directly with a person at the bank.
How can I speed up the account opening process?
If you already have an account with us, we can automatically fill out parts of your application using the information you provided when you opened your other account. You can speed up your application using information from your ATM/check card account, a deposit account (excluding CD accounts) or a loan account.
Which ownership type should I choose?
If you will be the only person to have ownership on this account, select “individual”. If you want to add a co-owner to the account, select “joint”.
How is my personal information used?
Federal law requires that all financial institutions obtain, verify and record personal information that identifies each person who opens an account. Your information is securely stored on your account and customer records once your new account is opened.
Why do I need to review and accept disclosures?
Disclosures contain the important terms and conditions that apply to your new account. Reviewing and accepting disclosures ensure that you are informed about how we will manage your new account.
Why are you asking me about how I expect to use my new account?
Can I apply for a loan before I find a property to purchase?
Yes, applying for a mortgage loan before you find a home may be the best thing you could do! If you apply for your mortgage now, we will issue an approval subject to you finding the perfect home. We will issue a pre-qualification letter online instantly. You can use the pre-qualification letter to assure real estate brokers and sellers that you are a qualified buyer. Having a pre-qualification for a mortgage may give more weight to any offer to purchase that you make.
When you find the perfect home, you will simply call your loan officer to complete your application. You’ll have an opportunity to lock in our great rates and fees then and we will complete the processing of your request.
How do I complete the online home loan application?
Completing our online application is as easy as 1-2-3! We'll ask you questions about your personal finances and the home. You will probably know all the answers off the top of your head.
The application is broken down into sections and you can track your progress through each section at the top of each screen. It should take less than 20 minutes to complete the application.
Move through the application by using the back and next arrows at the bottom of each screen. Do not use the back and next button on your browser while you're completing the application.
As you answer some of the questions, you'll note that questions below may change, disappear or new questions are added instantly. We don't ever want to waste your time asking for information that isn't important in your situation, so we evaluate the information we need based on your answers.
If you need additional help answering a question, click on the question mark at the end of the question for more information.
If you don't have time to complete the application right now or if you need to gather information before you finish, we'll save the information you have completed. When you're ready to finish, return to the site and enter your User ID and password to continue.
What is the maximum percentage of my home’s value that I can borrow?
The maximum percentage of your home's value depends on the purpose of your loan, how you use the property, and the loan type you choose, so the best way to determine what loan amount we can offer is to complete our online application!
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