Personal Banking

Savings Accounts

Take Control of your Financial Future

It can be hard to consistently put aside money for savings. But MBT offers an easy way to do it without missing a beat – just set up automatic savings from your paycheck. You won’t have to think about how much to save or take any additional steps. Even if you start with a small amount, it’s all about getting into the savings habit.


Minimum Balance

Earns Interest 

Fixed Savings Term

Deposits & Withdrawals


Teach children to budget today, and they’ll have a lifetime to save smart. A Monroe Bank & Trust Student Savings Account allows you to keep money in a safe place while it earns interest each month. 


Up to four (4) in branch withdrawals per month.

Up to six (6) electronic transfers per month1


Whether saving for a short-term solution, or packing away for a major purchase, you’ll earn interest on all your funds, and it’s compounded daily for truly “smart” savings that will grow to meet your goals.


Up to four (4) in branch withdrawals per month.

Up to six (6) electronic transfers per month1


An MBT IRA will help make sure your retirement dreams come true. Don't assume it will all just work out. Take an active role in planning for your retirement.  > Learn More

  7 Days to 5 Years 

Early withdrawal penalty may apply2


The convenience, liquidity and security of a checking account at a great rate.


Tiered interest rates depending on balance levels

Up to six (6) electronic transfers per month1


Accumulate money for the holiday season by making regular deposits throughout the year. The account funds are paid with a check or by direct deposit each year in November.  

Program starts in November and ends in October of the following year

No withdrawals are permitted


Whether short or long term, small or large investments, an MBT CD offers you the performance, power and options you need to grow your finances.


7 Days to 5 years

Early withdrawal penalty may apply


This is a tax-exempt account used with a high deductible health plan.  It is designed to help you save for medical expenses.

  • Account may be opened by individuals or through Employer-Sponsored Programs.
  • Deposits are deductible from taxable income even if you do not itemize deductions on your tax return.
  • Set up as a checking account with limited check access plus the convenience of a debit card for withdrawals/payments.
  • Withdrawals used for eligible medical expenses are tax exempt.
  • You maintain control over the account if you change plans or even jobs.
  • Savings may be used to pay your deductible or for eligible medical and prescription expenses.
  • You may roll over Medical Savings Account (MSA) funds into an HSA, if you do so within 60 days of withdrawing funds from the MSA.

Rules & Contribution Limits change. Be sure to consult a tax specialist, your company human resources department or visit the Internal Revenue Service HSA section for the most current information and contribution limits.





Plus your unused balance rolls over year after year, so you can’t lose money you don’t spend.
Yes, for qualified medical expenses2 



Explore MBT Wealth Management & Investment Services and set up a consultation today. With an unmatched level of service, expertise and accountability, The MBT Wealth Management Group provides a full range of fiduciary and investment services including comprehensive investment management, trust administration and estate settlement.


or call 800-321-0032 for more information.   

Investment products are not insured by FDIC or any Federal Government Agency; may lose value, and are not a deposit of or guaranteed by the bank or any bank affiliate.


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1 Transactions made via ACH, automatic transfer, check, mobile banking, phone banking, or online banking are limited to six (6) per month.

2 IRS penalties may also apply. Visit for complete details.

3 Mobile Banking is a free service from MBT. However, you may be charged access rates depending on your carrier. Web access is needed to use Mobile Banking. Check with your service provider for details on specific fees and charges.

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