Select the account that works for you:
| Regular Checking | Dividend Checking | Student checking | |
| Requirements | N/A | $1,000 to earn dividends | Limited to 12 to 23 year old students |
| Monthly fee | No | No | No |
| Debit Card | Yes | Yes | Yes |
| Access to 15,000 Surcharge-free ATMs | Yes1 | Yes1 | Yes1 |
| Waived foreign ATM fees | Yes2 | Yes2 | Yes2 |
| eStatements | Yes | Yes | Yes |
| Overdraft protection | Link to savings account3
Courtesy Pay |
Link to savings account3
Courtesy Pay |
Link to savings account3 |
Convenient ways to access and track your money:
- Debit Card: Use your card to go shopping (select credit), get money back at grocery stores (select debit), and conduct transactions at ATMs.
- Electronic Transfers: Transfer money electronically from MCT to other financial institutions (availble for one-time and recurring transfers).
- Free Online Banking: View balances and debit card transactions, transfer money, make loan payments, and more. Log in today!
- Free Web Bill Pay: Set-up one-time or recurring payments to utility companies or even the babysitter. Sign-up today through Online Banking.
- Free eAlerts: Receive email notifications when your account balances reaches an amount that you select and more. Sign-up today.
- Money Talk: Get account balances, transfer money, and more through telephone banking. Simply call 240.599.7400.
1 This means when you use a CU24 CU Here ATM, you will not be charged the fee that the financial institution that owns the ATM typically charges.
2Foreign ATM fees are those charged by MCT for using a non-MCT ATM. Members enrolled in eStatements with Direct Deposit of at least $1,000 per paycheck receive six foreign ATM fee reimbursements per month. Members enrolled in eStatements with Direct Deposit of less than $1,000 per paycheck receive four foreign ATM fee reimbursements per month. Student Accounts receive four foreign ATM fee reimbursements per month.
3Limited to six transfers for overdraft protection per month as stated by federal regulations.
