Manufacturers Bank and Trust Company
Online Banking
Commercial Online Banking
Forest City Crystal Lake Clear Lake Lake Mills
It's all about you

Personal Checking

Regular Checking
Student Checking
Ultra Checking
MBT Free Checking
MBT Gold Checking
Interest Checking
Interest "Plus" Checking
ATM Checking

Regular Checking

Maintain a low minimum balance to avoid a monthly service fee and receive images of your checks.  Free withdrawals if $2,500 balance maintained per statement cycle.

  • $200.00 Minimum Balance
    Allows your money to work for you without a high reserve.
  • Fixed Monthly Service Fee Only if your balance falls below $200
  • Limited Free Withdrawals
    30 free withdrawals per month, then $.30 per withdrawal if balance falls below $2500
  • 24 Hour ATM Access
    Unlimited account access with ATM/Debit Card.
  • Monthly Statement
    Statement includes images of checks for ease of filing and tax purposes.
  • Monthly Fees Waived
    .If you are 55 or better monthly fees waived.

Special Features

  • Non Interest Bearing Account
  • Low Minimum Balance of $200
  • Limited Free Withdrawals
  • Image Statements

Student Checking

A checking account for customers 14-23 years of age that are enrolled at school.

  • No Minimum balance
    You have complete access to your entire balance, no minimum balance to maintain to trigger a balance charge.
  • Unlimited free withdrawals Unlimited account withdrawals
  • Imaged Statement
    Statement includes images of checks and deposits.

Special Features

  • No Minimum Balance
  • Fixed Monthly Service Fee of $1.00
  • No Per Check Charge
  • Monthly Imaged Statement

Ultra Checking

All the features of Free Checking plus earn interest on your money. Click here to learn more.

MBT Free Checking

A great checking account for INDIVIDUALS to open with a minimum balance of $100.00. Once the account is opened, no minimum balance is required.

  • No Minimum Balance
    You have complete access to your entire balance, no minimum balance to maintain to trigger a service charge.
  • Unlimited Check Writing
    No limit on the number of checks you can write.
  • 24 Hour ATM Access
    Unlimited account access with ATM/Debit Card.
  • Monthly Statement
    Receive a monthly statement listing your account records.

Special Features

  • No Monthly Service Fee
  • No Minimum Balance to Maintain
  • No Per Check Charge
  • Check Safekeeping
  • Monthly Statement

MBT Gold Checking

A no service charge checking account for customers age 50 or better who maintain qualifying deposit balances of $2,500.

  • Unlimited Check Writing
    There is no limit on the number of checks you write each month and no additional charges, if you maintain a daily balance of $2,500.00.  Combines High Performance Savings balance to satisfy minimum balance requirement.
  • Special Travel Offers
    Vacations, ball games, stage shows, and many other activities are offered throughout the year.
  • Free personalized checks
    “MBT Single Wallet Checks” are free with this account.

Special Features

  • Free Notary Service
  • $10.00 monthly minimum balance charge if below $2,500.00
  • $7 annual discount on Safe Deposit Box
  • Interest earned any day the balance is greater than $2,500.00.  Interest Compounded monthly.

Interest Checking

An account designed for customers who like to earn competitive interest rates on their account.

  • $500 Minimum Balance
    No monthly service charge if minimum balance is maintained.
  • $10 Minimum Balance Charge
    Only if your balance falls below the $500 per statement cycle.
  • Interest Bearing Account
    Your account earns money each month on a collected balance of $500 or more in your account.
  • 24 Hour ATM Access Unlimited account access with ATM/Debit Card.

Special Features

  • Interest Compounded Monthly
  • Minimum Balance of $500
  • Limited Free Withdrawals: 30 free then $0.30 if balance falls below $2,500/month
  • Image Statement

Interest “Plus” Checking

An account designed for customers who like to earn competitive interest rates on their account.

  • $2,500 Minimum Balance
    No monthly service charge if minimum balance is maintained.
  • $10 Minimum Balance Charge
    Only if your balance falls below the $2,500 per statement cycle.
  • Interest Bearing Account
    Your account earns money each month on a collected balance of $500 or more is kept in your account.  $2,500 balance yields a higher rate on this account.
  • 24 Hour ATM Access Unlimited account access with ATM/Debit Card.

Special Features

  • Interest Compounded Monthly
  • Minimum Balance of $2,500
  • Limited Free Withdrawals: 30 free then $0.30 if balance falls below $2,500/month
  • Image Statement

ATM Checking

Great for customers who need direct deposit for payroll and can have access to their account with the use of an ATM card.

  • Limited Free Withdrawals 5 free withdrawals per month
  • Payroll deposits
    No payroll checks to lose or cash, safely deposited electronically into your account or with a teller.
  • 24 Hour ATM Access Unlimited account access with ATM card.
  • No ATM Card fees No change for your initial card or monthly ATM fees
  • Withdrawals By ATM Only

Special Features

  • No interest bearing account
  • Withdrawals accessed by ATM only
  • 5 Free withdrawals per month - $.50 each over 5 per month
  • $5.00 monthly maintenance fee