Choose Your Checking Account: Ultra, Performance, My Choice or My Cash

At MBT Bank, there are a number of checking accounts available to fit your individual needs.  The Ultra Checking account is a one of a kind checking account that has no monthly service fees and allows you to earn CD-like interest on your money.  

If you are looking for a basic checking account with unlimited check writing, My Choice Checking may be the best fit for you.  My Choice Checking gives you a variety of ways to reduce your monthly service fee down to $0.  For those looking for an account to hold a balance of $500 or more, we would recommend the interest-bearing Performance Checking account.  MBT also offers the My Cash Checking account, which works well for customers who need direct deposit for payroll with simple access from an ATM card.  Customer's age 50 and over can enjoy more benefits by joining the MBT Gold Club!

The personal checking account chart below gives a clear overview of each personal checking account offered at MBT Bank . To check out the rates for our interest bearing checking accounts, click here.

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Checking Account Options from MBT Bank 

Come by your nearest MBT Bank office in Forest City, Crystal Lake, Lake Mills, Clear Lake or Rochester to open your checking account today.

Account Type

Minimum Opening Balance

Minimum Balance Charge


ATM/Debit Card

Account Features & Benefits

Ultra Checking





Ultra Checking is designed for customers that like to earn a great interest rate on their checking account and enjoy the benefits of electronic banking.

  • Monthly Qualifications Include:
    • 10 debit card transactions per month
    • 1 ACH deposit or auto debit per month
    • Free monthly eStatement (Electronic Statement)
  • Higher interest on the first $15,000; lower interest on funds over $15,000
  • ATM service fee refunds up to $15 per month
  • Free Bill Pay Service with Ultra Checking
  • No minimum balance
    • If requirements are not met during the month;
    • A lower interest rate is paid and ATM fees are not refunded

Performance Checking


$10 if minimum balance falls below $500

Yes/Tiered Interest

$9 Initial Card Fee

$2 per month plus tax

Performance Checking is perfect for customers who like to earn competitive interest rates on their account and maintain a higher average daily balance.

  • Interest accrued when daily collected balance is over $500 & is paid monthly
  • 30 free withdrawals- then $.30 each if balance falls below $2,500
  • Free Online banking
  • Free monthly eStatements
  • Optional Bill Pay service; free if you have eStatements

My Choice Checking


$4 Maintenance Fee


$9 Initial Card Fee

No Monthly fee

My Choice Checking is designed for customers that provides an option to qualify for a no maintenance fee account.  With the following monthly activity the $4 maintenance fee can disappear:

  • Receive a $2.00 credit each month for signing up and receiving e-statements
  • Receive a $2.00 credit for each month that 15 debit card transactions clear your account
  • Receive a $1.00 credit each month you sign into online banking
  • No minimum balance
  • Images included with your statement

My Cash Checking


$5 Maintenance Fee


Free ATM Card

My Cash Checking is designed for customers who need direct deposit for payroll and can have access to their account with the use of an ATM card.

  • Withdrawals by ATM card only
  • 5 free withdrawals per month- then $.50 each over
  • Free online banking
  • Free monthly eStatements