Personal Checking

BENEFITS E- Checking Easy Checking Easy+ Checking Second Chance Checking
Minimum Opening Deposit  $100 $100 $100 $100
Minimum Daily Balance N/A $100 $2,500 N/A
Monthly Fee N/A $8 monthly fee if balance falls below $100 *
$8 monthly fee if balance falls below $2,500 N/A
Free Basic Checks N/A First Box 2 Boxes/year N/A
Interest Bearing N/A N/A Checkmark**** N/A
Free eStatements


Checkmark Checkmark Checkmark
Overdraft Protection & Privilege** Checkmark Checkmark Checkmark N/A
Free Online Banking Checkmark Checkmark Checkmark Checkmark
Free Online Bill Pay Checkmark Checkmark Checkmark Checkmark
Free Telephone Banking Checkmark Checkmark Checkmark Checkmark
Free Debit card Checkmark Checkmark Checkmark Checkmark
Free & Unlimited Use of over 20,000 participating ATMs Nationwide*** Checkmark Checkmark Checkmark Checkmark
* Monthly fee waived if account holder is 62 or over.
There is a fee of $30.00 each time you access Overdraft Privilege with a daily maximum of $90.00.  You can access Overdraft Privilege by writing checks, in-person withdrawals, ACH transactions, preauthorized automatic transfers, and other electronic transactions.  Overdraft Privilege service will only be available for our customers’ ATM and everyday debit card transactions if they authorize the bank by completing a consent form.  For Overdraft Privilege customers, you have 30 days to bring your account back to a positive balance.  Whether overdrafts are paid is discretionary and we reserve the right not to pay.  For example, we typically do not pay overdrafts if your account is not in good standing, if you are not making regular deposits, or if you have too many overdrafts.
*** No charge for transactions at Morgantown Bank & Trust ATMs and other participating SUM Network ATMs.  Non-Participating ATM usage will result in a $1.00 fee from MB&T.  Other ATM owner/operator or network(s) may charge a fee as well.
****Tiered interest account; must maintain $2,500 balance to accrue interest; Balances $2,500 to $9,999.99 earn prevailing rate, $10,000 to $49,999.99 earn prevailing rate and $50,000 and above earn prevailing rate



Questions about FDIC insurance limits?  Click here to check with the FDIC's Deposit Insurance Estimator.