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Checking & Savings > Checking > Dividend Checking 

Dividend Checking

If you keep a checking balance of $1,000 or more, this is a great account for you because you'll earn monthly dividends.  Plus, there is no fee if your average daily balance falls below $1,000.

A Dividend Checking Account offers:
  • No monthly fees
  • Monthly dividends 
  • A free Visa Check Card-- use it to pay for purchases (select the credit option) and to make ATM withdrawals
  • Surcharge-free* Allpoint ATMs
  • Free Online Banking with free eStatements, eAlerts, and Web Bill Pay
  • Free online check images
  • Money Talk (telephone banking): 240.599.7400
  • Overdraft protection from your savings account

 

Even if you don't live near an MCT branch, it's still easy to access your checking account by using our electronic services or visiting a Credit Union Shared Branch. 

 

 

It’s easy to switch your checking account to MCT!

 

Step 1:


Open your Dividend Checking Account. 

  • Online Banking: If you’re already an MCT member, you can open a checking account through Online Banking.
  • Online: Complete an online application
  • Branch: Visit any MCT branch 
  • Phone: 301.948.9880


Step 2:

 

Use MCT's Switch Kit.

MCT's switch kit provides step-by-step instructions and customizable letters that will help you change your direct deposit, switch over your automatic payments, and close your old checking account(s). There is even a checklist so you won’t miss a thing.
 

 

* Surcharge fee: this is the fee that the financial institution who owns the ATM charges for transactions.


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