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Take Advantage of Cash Back or High-Yield Checking

At MTC Federal, we believe your checking account should work as hard as you do. That’s why we offer three checking options designed to reward you more, whether you’re looking for a straightforward account or one that delivers added monthly rewards like cash back or high-yield dividends. Explore the checking account that suits your lifestyle and start enjoying more rewards today.

Every MTC Federal checking account includes the following features:

Checking Account Options

For additional details about each account type, expand the account option you’re interested in.

Our 6% Cash Back Checking is crafted to provide incredible rewards and financial advantages that align with your dedication and lifestyle.

Your hard work deserves to be rewarded. Why settle for pennies from a traditional bank checking account when you can earn real cash with MTC Federal. The Cash Back Checking account transforms your daily purchases into real earnings.

Start earning cash back today.

Learn More About Cash Back Checking

Our High-Yield Checking is crafted to provide incredible rewards and financial advantages that align with your dedication and lifestyle.

Your hard work deserves to be rewarded. Why settle for pennies from a traditional bank checking account when you can earn 6% interest with MTC Federal. The High-Yield Checking pays high dividends, so your money is always working as hard as you do.

Start earning higher dividends today!

Learn More About High-Yield Checking

Free Basic Checking from MTC Federal offers flexibility, convenience and easy access to help you manage your daily expenses.

Requirements:

Special Features:

  • No minimum balance requirement
  • No service charges
  • Complimentary 1st box of checks
  • 6 free non-MTC Federal ATM withdrawals per month

Side-by-Side Comparison

HIGH-YIELD CASH BACK
Account High-Yield Checking
OPEN IN MINUTES
Learn More 		Cash Back Checking
OPEN IN MINUTES
Learn More
Monthly Rewards - 6.00% APY* on balances up to $15,000
- 6.00% to 1.22% APY* on balances over $15,000 depending on balance in account - 0.05% APY* if qualifications aren't met 		- 6.00% cash back on debit card purchases* 
- Cash back earned on up to $200 in purchases monthly - Up to $144 cash back per year, $12 per month
Monthly Maintenance Fee NONE NONE
ATM Access Refunds of ATM withdrawal fees up to $25, nationwide* Refunds of ATM withdrawal fees up to $25, nationwide*
Free Online & Mobile Banking Access? Yes Yes
Free Debit Card? Yes Yes
Minimum Opening Deposit $0 $0

Debit Card Rewards Program

No matter which account you choose, you can receive rewards simply for using your MTC Federal Debit Rewards Mastercard® to make purchases!

  • Earn reward points with PIN and signature transactions (1 point for every $4 spent)
  • Redeem points for cash back, merchandise, travel, event tickets and more
    To redeem rewards, log-in to Web-Branch or call 877-769-7795.

For a comprehensive list of services and additional information view: The Guide to Benefits Brochure

Rewards Website

To open a checking account or get help from a Member Service Representative, use the Open an Account form, call 800-442-7792 or visit a branch. Switching to an MTC Federal checking account is easy! Use our Switch Guide to get started.