Leave the cash and checks behind and enjoy the convenience of plastic
Use your Mastercard® debit card to swipe your way to rewards and fast, more secure purchasing.
Benefits You’ll Love
- Receive real-time debit card alerts to track spending
- Get fast cash from thousands of ATMs
- Shop with the security of Mastercard®
- Enjoy a customized debit with Spirit Cards
- Free Mastercard® debit card accepted around the globe and online
- Use your debit card to qualify for rewards with free Kasasa Cash® and Kasasa Cash Back® checking accounts
- Get access to cash at any SUM or MoneyPass® network ATM nationwide without incurring any foreign ATM fees
- Customize your card with Spirit Cards — and raise money for the area school of your choice
- Equipped with EMV chip technology for extra security
- Cut the cost of purchasing checks
- 24/7 access to funds via ATMs
- Easily withdraw funds from ATMs
- Receive Debit Card Alerts each time your card is used
WE MAKE DONATING EASY WITH OUR SPIRIT MASTERCARD® DEBIT CARDS!!!
Choose from a wide range of schools and/or programs. Every single transaction made as a credit (signature) will trigger a donation to your school or program of choice, at no cost to you.
View supported schools/programs.
Since inception of the program in 2013, Spirit cards have helped raise over $306,000.00 for area schools, shelters and local programs.
To request a Spirit Card, please email [email protected] or call (270) 526-3881.
Debit Card Alerts with Real-time Activity Alerts
MBT Debit Card Alerts are an additional security feature that you can add to your account for no additional fee (standard data and text carrier rates may apply).
These alerts are sent to the mobile phone number or email address you provide when signing up for the service.
Even if you have multiple cards on your account, you can set these alerts up for all your cards if you would like.
Quickly detect fraud and keep up with your debit card transactions by signing up for MBT Debit Card Alerts today!
How do I sign up for MBT Debit Card Email or Text Alerts?
You are now able to setup alerts from within the Mobile App or Online Banking. Once logged in, click Manage Alerts from the Menu options. Click on the card to set Card Alerts, Enable the alert types you would like to receive and input your email address and/or phone number to receive these alerts.
Example of MBT Debit Card Text Alerts
SMS ALERT
"Your debit card ending in 3421 has processed a transaction for $18.99 and the transaction was APPROVED."
Through the Shelter Pet Program, Shelter Pet Card holders earn money for the Warren County Humane Society and the Butler County Animal Shelter simply by choosing “credit” at check-out. Donations will be split evenly to benefit both shelters. Every single transaction made as a credit (signature) will trigger a donation to both animal shelters — at no cost to you or the shelters.
To request a Shelter Pet Program Card, please Contact Us or call (270) 526-3881.
When your new card arrives, follow the instructions on the mailer. If you no longer have the mailer, you can call 1-877-965-3344 and follow the prompts on the automated line to activate your new card and choose your PIN.
Please note: when calling this automated system, you will need to be calling from a phone number on file.
If you'd like to change your current PIN, you can call 1-877-965-3344 and follow the prompts. You will need to know your current PIN. If you have forgotten your PIN, you may call Bookkeeping at (270) 526-3881 during regular business hours to receive a temporary PIN. After receiving a temporary PIN, you would then call 1-877-965-3344 to set up a permanent PIN.
How much does this feature cost?
$0. Our Debit Card Texts Alerts can be added to your account at no additional cost (standard carrier data and text rates may apply).
Can I stop the SMS text messages if I don’t want them any longer?
Yes. Just log back into the mobile app or online banking and set the alert to OFF.
Can alerts be sent to customers traveling internationally?
We are unable to send texts internationally.
Use this calculator to determine your projected earnings from our Kasasa Cash account. Move the sliders or type in the numbers to see your potential rewards.
- Estimated Annual Rewards $0
- Estimated monthly interest earned* $0
- Monthly ATM fees refunded**$0
This calculator compares the costs of buying or leasing a vehicle. There are three sections to complete, and you can adjust and experiment with different scenarios.
- Net cost of buying $0
- Net cost of leasing $0
A fixed-rate, fixed-term CD can earn higher returns than a standard savings account. Use this calculator to get an estimate of your earnings. Move the sliders or type in numbers to get started.
- Total value at maturity $0
- Total interest earned $0
- Annual Percentage Yield (APY)0.000%
Whether it's a down payment, college, a dream vacation...a savings plan can help you reach your goal. Use the sliders to experiment based on length of time and amount per month.
- Monthly deposit needed to reach goal $0
This calculator can help you get a general idea of monthly payments to expect for a simple loan. Move the sliders or type in numbers to get started.
- Estimated monthly payment $0
- Total paid $0
- Total interest paid $0
Deposit Accounts
| Account | Minimum Opening Deposit | APY |
|---|---|---|
| Omega Money Market* | $5,000 | 0.50% |
| Club Savings | $0 | 2.02% |
| MBT Savings | 0.10% | |
| Health Savings Account** | 2.02% | |
| Direct Interest Checking | 0.25% | |
| GenGold Checking | $50 | 0.01% |
*Money Market Account prevailing rate based on tiered balance structure. The APY disclosed on the website is for the highest tiered balance. Annual Percentage Yield (APY) is current as listed and subject to change. For more information such as, Minimum Deposit, Account Information, and Withdrawal Penalties, refer to the Personal Tab and click Money Market Account. Deposit Accounts subject to fees may reduce earnings.
Kasasa Cash*
| Balance | Minimum Opening Deposit | Interest Rate | APY |
|---|---|---|---|
| 0 - $10,000 | $50 | 4.8889% | 5.00% |
| $10,000+ | $50 | 0.25% | 0.25% |
| All balances if qualifications not met | $50 | 0.10% | 0.10% |
Qualifications
It's so easy to qualify, you're probably already doing it. Enrollments must be in place and all of the following transactions and activities must post and settle to your Kasasa Cash® account during each Monthly Qualification Cycle:
- At least 1 ACH credit or ACH payment transaction
- At least 12 debit card purchases
That's it. Even if you don't meet your qualifications during the cycle, your Kasasa Cash account is still free. Plus, you'll still earn our base interest rate. And you can get right back to earning your full rewards the very next month.
Kasasa Saver*
| Balance | Minimum Opening Deposit | Interest Rate | APY |
|---|---|---|---|
| 0 - $500,000 if qualifications are met | $50 | 1.49% | 1.50% |
| 0 - $500,000 if qualifications not met | $50 | 0.10% | 0.10% |
| $500,000+ | $50 | 0.25% | 0.25% |
Qualifications
Qualifying for your Kasasa Cash or Kasasa Cash Back® rewards automatically qualifies you for the highest Kasasa Saver® rate, too. Enrollments must be in place and all of the following transactions and activities must post and settle to your Kasasa Cash or Kasasa Cash Back account during each Monthly Qualification Cycle:
- At least 1 ACH credit or ACH payment transaction
- At least 12 debit card purchases
That's it. Even if you don't meet your qualifications during the cycle, your Kasasa accounts are still free. Plus, you'll still earn our base interest rate on Kasasa Saver. And you can get right back to earning your full rewards the very next month.
Loan Rates
| Loan | Term | Interest Rates | APR |
|---|---|---|---|
| New Autos | up to 72 months | Competitive Rates | Competitive Rates |
| Home Equity | Up to 10 years | Competitive Rates | Competitive Rates |
| 30 Year Mortgage | 30 years | Rates change daily | Rates change daily |
| 15 Year Mortgage | 15 years | Rates change daily | Rates change daily |
Interest Rates are current as listed and are subject to change. The rates displayed do not represent a loan approval or commitment to lend. The actual fees, costs and monthly payment on your specific loan transaction may vary and may include additional fees and costs. Loan pricing can be locked only through a loan officer. Other restrictions may apply.
Please call (270) 526-3881 for additional rate options.
**Home Equity Line of Credit – The Interest Rate is variable and based upon a index plus a margin. The Rate will vary with Prime Rate (the index) as published in the Wall Street Journal.
For more loan details contact a Lender at 270-526-3881 or contact us.