Our Dividend Checking Account is FREE and it comes with additional money saving-and money making-benefits, too!

Free checking may be scarce in the banking world these days, but at MTC Federal, it's a sure thing!  We don't believe in leprechauns, and we don't believe in unicorns.  But, we do believe that you should be able to access your money without paying for the privilege.

  • FREE Visa™ Debit Card with Bonus Rewards when you sign for debit purchases
  • No Minimum Balance Requirements
  • FREE Web-Branch with Bill Pay Service
  • Dividends available on balances of $300 or greater
  • FREE first box of checks
  • FREE notary services
  • FREE access to over 28,000 surcharge free ATMS
  • FREE non-MTC ATM withdrawals - 6 Per Month
  • Mobile Branch App Now Available!  Click here for iPhone app...or click here for Droid app.

Our checking services are designed with you in mind. You can choose from Basic Checking, Dividend Checking or e-Checking - plus there are added benefits for members 50+.

Start today saving today and open your account.

Need a Direct Deposit Form for your employer? The routing and transit number for all MTC Federal Checking Accounts is 053285173.

Visa™ Debit Rewards Card                               

Use your Visa™ Debit Rewards card for purchases, catalog orders, at the gas pump or anywhere Visa is accepted. As a Member of MTC Federal you will be able use your card for thousands for products, gifts, travel, event tickets and sporting adventures.


Earning Reward Points is Fast and Easy

  • Earn 1 point for every $2 on signature based transactions.
  • Cards on the same account can pool points so the redemption amount will be greater.
  •  Enter Here to learn how to register your card and/or redeem points!

Apply here for a Visa™ Debit Rewards card.

Locate A Surcharge-Free ATM Location


MTC Federal-Owned ATMs

Click here to find an ATM location near you. 


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