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We offer a variety of different checking account options because we know there’s no “one size fits all” solution for your financial needs. Whether you want a no-frills account or you’re looking for something more rewarding, you’ll find the best checking account for your needs here.

Every MTC Federal checking account includes the following features:

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

Rewards Website

To redeem rewards, please call 877-769-7795.

Checking Account Options

Account TypeBest ForKey Features
Basic CheckingFlexible, straightforward serviceFree online and mobile banking with no service charges
Dividend CheckingEarning money on your balanceMonthly dividends paid on balances of $300 or more
E-CheckingGreater rewards for higher balancesMonthly dividends on balances of $1500 or more plus bonus points for loans and deposits
50+ CheckingMembers age 50 and overAdds special benefits to Basic, Dividend or E-Checking for members 50+
Teen CheckingMembers age 13-17Free checking account with special features for teens

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 Kit to get started.

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

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

Make your money work harder for you with a Dividend Checking account! Enjoy all the benefits and convenience of a Basic Checking account plus earn money each month on your account balance.

Requirements:
  • $300 minimum balance to earn dividends
Special Features:
  • No monthly service charge
  • Monthly dividends paid on account based on average daily balance
  • 6 free non-MTC Federal ATM withdrawals per month
Current Rates:
Account BalanceDividend RatesAnnual Percentage Yield (APY)
$300 - $2,499.990.10%0.10%
$2,500 - $14,999.990.20%0.20%
$15,000 - $49,999.990.30%0.30%
$50,000 - $74,999.990.35%0.35%
$75,000 - $99,999.990.40%0.40%
$100,000 or more0.45%0.45%

Earn more and save more with an E-Checking account! In addition to earning dividends on your balance, you’ll enjoy special bonus points for loans and deposits.

Requirements:
  • Direct deposit of $400 per month
  • $1,500 minimum balance to earn dividends
  • Use of e-statements required
Special Features:
  • Monthly dividends paid on account based on average daily balance
  • 0.15% basis points on new loans (excluding real estate)
  • 0.15% basis points or bump to Share Plus rate on new certificates
  • $1,500 minimum balance to avoid monthly service fee
Current Rates:
Account BalanceDividend RatesAnnual Percentage Yield (APY)
$1,500 - $2,499.990.10%0.10%
$2,500 - $14,999.990.20%0.20%
$15,000 - $49,999.990.30%0.30%
$50,000 - $74,999.990.35%0.35%
$75,000 - $99,999.990.40%0.40%
$100,000 or more0.45%0.45%

You’ve worked hard to get to where you are in life, and MTC Federal wants to reward you for that! If you’re age 50 or over, you can take advantage of our 50+ Checking accounts to receive extra benefits that save you money. This program adds perks to any MTC Federal checking account: Basic Checking, Dividend Checking, or E-Checking.

Requirements:
  • Member must be age 50 or over
  • Requirements for selected checking account option apply
Special Features:
  • Free basic checks (up to 2 boxes per year)
  • Free online stop payment requests

Help your teenager learn good money management skills with their own checking account! Youth members are eligible to open a Teen Checking account at age 13.

Requirements:
  • Must have Claim Your Youth savings account with initial deposit of $10.
Special Features:

A parent/guardian cosigner is required. The cosigner will also have 24/7 account access through Web-Branch and our mobile app.

Learn more about Youth Accounts.

To open a checking account with MTC Federal Credit Union, you must be a credit union member. Learn more. If you have questions or need assistance, please contact us at 800-442-7792 or visit a branch near you.

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