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MBT Performance Checking

Make the leap!
To a .10% APY* and FREE ATM use anywhere** with MBT High Interest Performance Checking

We're redefining checking! With High Interest Performance Checking - always free checking that lets you earn .10% APY* on all balances between 1 penny and $50,000 - with no minimum balance required!

And that's not all. You'll also enjoy up to $10 each month in fee-free ATM use anywhere**. 

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You're just 4 easy steps away from earning a great interest rate.

One: Use our convenient debit card. Make purchases without writing checks by using our MBT MasterMoney Debit Card! To earn .10% APY on your balances up to $50,000, just make a minimum of 15 debit card purchases posted to your account prior to the last day of the month.

Two: Make your life easier! Have at least one direct deposit of a payroll or retirement check, OR have at least two third party direct debit transactions (like payment of a utility bill and telephone bill) made to your MBT Performance Checking Account during each statement cycle.

Three: Get your statement online! It's easy and safe - no more paper statements to lose - and check your account activity frequently to see if you’re meeting the minimum debit card activity needed to earn your higher interest rate and special ATM usage!

Four: Keep your e-mail address up-to-date and valid. You'll receive monthly reminders to check your account activity online to keep you qualified for that great interest rate.

And of course you'll also receive:

  • Free starter checks.
  • No monthly maintenance or transaction fees.
  • MasterMoney Debit Card for purchases at a variety of retailers worldwide.
  • Up to $10 in ATM fees refunded monthly**
  • FREE Internet Banking and online bill pay. FREE automated telephone banking service. Unlimited check writing with no minimum balance requirements.
  • Unlimited teller transactions.
  • Go for the green! Stop into your nearest MBT branch office or call 800-321-0032 today!
  • Click Here to get started with our convenient Switch Kit.

Current Rates

MBT Performance Checking
Term Rate APY Compounding Frequency
Qualified balances up to $50,000 0.10% 0.10% Monthly
Qualified balances over $50,000.01 0.05% 0.05% Monthly
Non-qualified balances 0.00% 0.00% Monthly
APY = Annual Percentage Yield. Rates current as of March 25, 2014. Rates displayed above may change at any time and without advance notice, including after account opening. It is the reader’s responsibility to verify rates with an MBT branch. All products and services are subject to Bank approval. .10% APY is paid on balances up to $50,000, and .05 % APY is paid on additional amounts above $50,000 when requirements are met. Interest is compounded monthly. If requirements are not met, ATM fees will not be refunded and an interest rate of 0.00% APY will apply to the entire account balance for that statement cycle. Fees may reduce earnings. $150 penalty if account is closed within 180 days from opening. Account is available for personal accounts only - no business or corporate accounts. Bank rules and regulations apply. Minimum opening deposit is $50.00. Debit card transactions must post to the account by the end of the statement cycle to meet criteria. **Up to $10.00 of ATM fees will be refunded each month when requirements are met. Certain restrictions apply. Call for details.



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