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Personal Checking

Free Checking

The Free Checking account has no minimum balance or monthly maintanence charge as long as a monthly direct deposit or ACH credit is maintained. This account has unlimited check writing and Debit card usage. This account is designed for the person who wants a regular checking without the cost.

Regular Checking

The Muncy Bank & Trust Company offers to its customers individual and joint checking accounts.  There are no monthly fees on the account unless the minimum daily balance falls below $300.00, at which time a $5.00 maintanence charge per statement cycle will be assessed.

Advantage Checking

This is an account for the customer who does not wish to be concerned with a minimum balance, or for those who write very few checks.  A $.35 per written check fee will be charged for each check processed to the customer's account.  There is no fee for ATM or Debit card transactions, customers may purchase their checks at the time they open the account.  

Privilege Account

At The Muncy Bank and Trust Company age has its privileges.  If you are 55 or older, we offer free unlimited checking, free personalized wallet style checks, free ATM and Debit cards, notary service, and so much more.  You may also become one of our Travel Club members and go on organized group trips at a great low price.  Call one of our offices to get more information on this today. This account has no minimum monthly balance requirement.

Interest Checking

For as little as $500.00 you can open an interest bearing checking account.   There are no per transaction fees assessed and interest is calculated daily and added to the account monthly.  Interest is paid on tiered balances of $500 - $1,500 - $10,000 - $25,000. Should your balance fall below $500.00 during the month, a maintenance charge of $5.00 will be assessed to the account and interest will not be paid.  (Click here for rates.)

Preferred Money Market Account

The Preferred Money Market account is an investment account that earns interest at tiered money market rates. This account has a $500 minimum daily balance to avoid a $10.00 monthly maintenance charge and is designed for the person seeking to maximize their return on savings or investment dollars while also keeping those funds in a safe and continuously accessible account. Limited preauthorized withdrawals and check writing (6 per statement cycle) apply to this account. Interest is paid on tiered balances starting at $500.00.

Checking Account Added Benefits

Each checking account at The Muncy Bank and Trust Company offers the following benefits at no cost:

  • Visa Debit and NYCE ATM Card
  • Unlimited Checkwriting (exception: Preferred Money Market)
  • Internet Banking
  • Telephone Banking
  • EZ Pay Bill Payment Service
  • Check Imaging

┬ęCopyright 2008 The Muncy Bank and Trust Company. Member FDIC. Equal Housing Lender.