Features you can receive with all of our Checking Accounts:
Online Banking: Account access available to you 24/7
Mobile Banking: Apps for Apple iOs® and Android® with finger print unlock
Debit Card: Easy access to your money anywhere, anytime
Online Bill Pay: Pay bills online 24/7 from anywhere
Mobile Savvy Money Management: Financial tracking, goal setting and monitoring
Online Banking
Online Banking from Minnesota Bank & Trust gives you fast, simple and convenient access to your money. When your busy schedule keeps you away, Online Banking keeps you connected. Online Banking is free and includes:
Quick Views — For basic account lookup.
Real-Time Balances — View your personal account and loan balances.
Real-Time History — View checking and savings account history.
Check Image — View both sides of cleared checks.
Transfer Funds — Set up scheduled or repeating transfers between accounts.
Secure Messaging — Enjoy secure communications to and from the bank.
Alerts — Set up alerts to notify you of account balance changes or when a check clears.
Download History — Download account history into Quicken® or Microsoft® Money formats.
Loan Payments — View and make loan payments directly from Online Banking.
Person-to-Person Transfer — Transfer Funds between Minnesota Bank & Trust accounts.
Mobile Banking
With Mobile Banking, you can access your deposit accounts anytime, anywhere via text messaging, your phone's mobile browser or our free apps for iPhone®, iPad® and Android®. You must be enrolled in Online Banking to use Mobile Banking.
Mobile Remote Deposit Capture further enhances your mobile experience by allowing you to deposit checks into your account without ever having to step foot into a banking center or locating an ATM.
Text Banking
Receive instant account information by sending text-based commands from your cell phone. Get account balances and receive recent transaction history without logging in.
Just text a short command, and you will quickly receive the information you want.
Message and data rates may apply from your wireless carrier.
Debit Cards
With a debit card, there’s no longer a need to carry cash or even a checkbook! Pay for purchases right out of your checking account with a simple swipe of your card. You have all the convenience of an ATM card combined with the purchasing power of a VISA® card.
Plus, with our Pink Ribbon Debit Card you can look forward to helping fight breast cancer in our community—each time you use the card, we make a donation.
Bill Pay
Paying bills with Bill Pay is fast and free. Eliminate the hassle of checks, stamps and envelopes by paying your bills online 24 hours a day.
Faster Payment — Some payees will receive payment days earlier.
Easy Navigation — Your information is organized.
Convenient Payment History — View your pending transactions or payment history with just the click of a button.
SAVVY Money Management
SAVVY Money Management makes managing your money and maintaining financial stability easier than ever. You can securely link your accounts from other financial institutions, giving you the ability to view all your accounts in one convenient location. With SAVVY Money Management, you can track spending, set financials goals and monitor all of your accounts.
Add Accounts – Complete your financial picture by bringing in outside account information- like investment accounts and credit cards, into SAVVY Money Management. Even your investment account information can be imported!
Create and Track Spending Targets – SAVVY Money Management helps you see how you are spending your money, and it is easy to set and track spending targets with the budget feature.
Set a Goal – It’s easy to set a financial goal (like paying off a credit card, or saving for a vacation) and see it through.
SAVVY Money Management doesn’t stop there. There are plenty of other features worth exploring that will help you take control of your finances and save money.
¹ $200 bonus offer is not available to existing Minnesota Bank & Trust consumer checking customers or those who had accounts open on or before May 31, 2018. Bonuses only apply when opening a new consumer checking account at Minnesota Bank & Trust or mnbankandtrust.com during the promotional bonus period. The promotional bonus period is 06/01/2018 – 08/31/2018. If the account is closed by the customer or bank within 90 business days after opening, we may deduct bonuses earned and received at closing and a $25 account closing fee may be assessed. Closing the account will negate any unearned bonuses. All bonus dollars will be paid to the newly opened checking account. If multiple checking accounts are opened during the promotional bonus period under the same primary owner name, the bonuses will be paid to the account that was opened first. Limit one bonus per new consumer account relationship. A $30 bonus will be given for enrolling in eStatements within 60 calendar days of account opening and a $170 bonus will be given if one (1) direct deposit of $500 or more post to the account within the first 60 calendar days of account opening. Direct Deposit examples include payroll, pension, Social Security or other government benefits. Bonuses will be paid within 90 business days after account is opened. An IRS 1099 form may be issued. The offer cannot be used in conjunction or combination with any other deposit offer. Health Savings Accounts are not eligible for the promotion. Geographic restrictions may apply. Account opening is subject to approval. ² Annual Percentage Yields (APY) are accurate as of . 1.51% APY applies to balances of $0.01-$20,000 and 0.05% APY to balances over $20,000.01 if reward requirements are met each monthly statement cycle. 0.05% APY applies to balance of $0.01-$20,000 and 0.05% APY to balances over $20,000.01 if reward requirements are not met. The rates may change after the account is opened. ATM surcharge fees of up to $20 per statement cycle will be refunded if reward requirements are met. Reward requirements are: Sign up for eStatements, post a direct deposit and post 15 debit card purchases within your monthly statement cycle. ³ Signature Series Checking Annual Percentage Yields (APY) are accurate as of . APY tiers apply to the following balances: 0% APY on balances of $0.00 to $49,999.99. 0.40% APY on balances of $50,000.00 up to $149,999.99. 0.60% APY on balances of $150,000.00 up to $249,999.99. 1.11% APY on balances of $250,000.00 and above. Rates may change after the account is opened. Minimum deposit to open account is $1,000. Account fees could reduce earnings.
Cash Rewards Checking
It's not hard to find a checking account that pays you! With Cash Rewards Checking, you get a checking account that offers a great interest rate and ATM fee refunds nationwide².
Meet the simple everyday qualifications each month, and you'll automatically earn the rewards. And if you don't qualify one month, don't worry -- you still earn our base rate of interest for that month... and you can qualify for the next month!
ATM refunds²
Unlimited check writing
Free Debit Card
Free Online Banking with Bill Pay
Free eStatements
Free Mobile Banking³
$25 to open in banking center or online
$0 to open ATWORK program
Overdraft Privilege¹ up to $500 is also available on this account.
How to earn the rewards, 3 things you're probably already doing.
Sign up for Direct Deposit
Simply have 15 or more debit card purchases posted within the monthly statement cycle (Transactions at an ATM are not included)
Sign up for eStatements with a valid e-mail address
¹See our Fee Schedule for Overdraft Fees and details regarding Overdraft Privilege.
²ATM surcharge fees of up to $20 per statement cycle will be refunded if reward requirements are met.
³Message and data rates may apply from your wireless carrier.
Free Checking with eStatements
Our checking is more than a basic account. With no minimum balance requirement and no monthly maintenance fee when enrolled in eStatements, you get unlimited check writing, free Online Banking, free Bill Pay, free Mobile Banking¹ and a free VISA® Debit Card. In addition, you may open a savings account and track your activity on both accounts on a combined monthly statement. Only $25 required to open your account in a banking center or online. Overdraft Privilege² up to $300 is also available on this account.
¹Message and data rates may apply from your wireless carrier.
²See our Fee Schedule for Overdraft Fees and details regarding Overdraft Privilege.
Signature Series Checking
Signature Series Checking is an account that is built to do it all. By keeping at least $50,000 in your account, you will earn our premium interest rates on your entire balance while receiving the best benefits we offer. With this account, you can enjoy:
Signature GenGold. A complimentary product that offers you exclusive rewards and benefits. Receive travel discounts, identity theft restoration, cell phone coverage, health services, hundreds of discounted gift cards and entertainment services, and more!
Free Checks
Free Cashiers Checks
Waived fees on incoming Domestic Wires ¹
Waived fees on Stop Payments ¹
Free banking add-ons: Debit Card, Online Banking with Bill Pay, eStatements and Mobile Banking ²
