Frequently Asked Questions (FAQs)

Routing Number

MCT Routing Number: 031307701

Want to find a different routing number? Use this convenient search tool provided by the ABA.

Bank Holidays

MCT’s schedule is based on holidays observed by the Federal Reserve System. Holidays noted with an asterisk (*) below are considered non-processing days for all bank transactions.

2026

• New Year’s Day * (Thursday, 1/1/2026) Closed
• Martin Luther King, Jr. Day * (Monday, 1/19/2026) Closed
• President’s Day * (Monday, 2/16/2026) Closed
• Good Friday (Friday, 4/3/2026) Closed at Noon
• Memorial Day * (Monday, 5/25/2026) Closed
• Juneteenth National Independence Day * (Friday, 6/19/2026) Closed
• Independence Day * (Saturday, 7/4/2026) Closed
• Labor Day * (Monday, 9/7/2026) Closed
• Indigenous Peoples’ Day / Columbus Day * (Monday, 10/12/2026) Closed
• Veterans Day * (Wednesday, 11/11/2026) Closed
• Thanksgiving Day * (Thursday, 11/26/2026) Closed
• Christmas Eve (Thursday, 12/24/2026) Closed at Noon
• Christmas Day * (Friday, 12/25/2026) Closed
• New Year’s Eve (Thursday, 12/31/2026) Closed at 3pm

Lost or Stolen Cards

• Debit or ATM cards: Call MCT’s 24/7 Debit Card Self-Service 866-498-2208, including to report an unauthorized transaction.
• Credit Cards: Call 800-854-7642 anytime.

Debit Card “Fraud Detection Message Center” (EnFact Notifications)

• Phone calls, emails and/or text messages will be sent when possible fraud is detected with your MCT debit card.
• EnFact Call-Back Phone Numbers are provided directly in the communication you may receive, or you may reply to the automated text message you may receive with a simple “Yes” or “No” to validate a transaction or deny further use of your card. You may also receive an email from “noreply@enfactnotifications.com”
• If fraud is suspected, please call MCT’s 24/7 Debit Card Self-Service at 866-498-2208 to report an unauthorized transaction.

Questions About Mobile Banking

1. How do I enroll in Mobile Banking?
   If you are already a MCT Online Banking customer you can access Mobile Banking by using the following steps:
   1. Download the mobile app & login with your same username and password
   2. Download on the App Store
   3. Get it on Google Play
       
2. Why Use Mobile Browser Banking?
   Get full and extended mobile banking capabilities on your web-enabled phone by logging in at www.mct.bank. Receive an optimal banking experience with a look and feel that is similar to PC-based online banking, in a site designed to fit neatly into your phone’s screen.
3. Why Use a Downloadable Application?
   Get a convenient application for your iPhone or Android phone that provides an intuitive and rich user experience consisting of easy-to-navigate screens and menus. Receive all the benefits of mobile browser banking, enhanced by your phone’s unique features. Download MCT’s Mobile Banking App from the Apple App Store or Google Play. Click here for Mobile App details.
4. What should a Mobile Banking user do if their device is lost or stolen?
   If a Mobile Banking user’s device is lost or stolen, you will need to log into MCT Online Banking, go the following menus:
   1. Profile / Mobile Banking / Manage Devices / choose the “My Devices” tab. In the drop down options choose “Stop using this phone for Mobile Banking” and click “Go”. This action will unregister your Mobile Banking device. If you locate your Mobile Banking device you will need to re-enroll in MCT Mobile Banking and register your Mobile Banking device.
      
      Don’t forget to contact your cellular/mobile device carrier to report your device lost/stolen as soon as possible.
5. How do I download and install the Mobile Banking App?
   Click here for instructions, or follow the prompts within MCT Online Banking for Mobile services. You may also go to Apple’s App Store or Google Play and search “Mauch Chunk Trust.”
6. Do all mobile carriers and devices support the Mobile Banking App?
   Most Apple and Android devices support our App. Some older mobile devices may not support the Mobile Banking App. If your device isn’t supported, please try again in the future. Blackberry is not supported for the downloaded app, but Blackberry users can try the mobile browser by logging into Online Banking from our homepage.

Questions About Mobile Deposit

1. What is Mobile Deposit?
   The Mobile Deposit feature allows users to make a check deposit via mobile app by photographing the front and back of the check with their iPhone or Android mobile phone and submitting that image for deposit to their account.
2. What devices can use Mobile Deposit?
   This feature is available via the MCT app only–and only on the iPhone or Android device.
3. How do I enroll for Mobile Deposit, using the MCT App?
   Users do not need to enroll for Mobile Deposit. The Deposit menu item will show up automatically in our app.
4. Who can make Mobile Deposits?
   Consumer and business customers with full access to Online banking can use Mobile Deposit. Accounts with “inquiry only” online banking will not have access to Mobile Deposit.
5. What are the deposit limits for Mobile Deposit?
   Consumer and business limits are both $2,500 per item with a maximum daily limit of $2,500. These limits reset daily. There is no limit on the number of checks that can be deposited daily.
6. What is the cutoff time for Mobile Deposits?
   Customers may access the Service anytime 7 days a week. If MCT receives and accepts a mobile deposit on or before 3PM Eastern Time on a business day (Monday through Friday excluding Federal holidays), we consider that date to be the “deposit date.” Deposits received after 3PM Eastern or on a weekend or federal holiday will have the next business day as the deposit date.
7. How should a check deposited through Mobile Deposit be endorsed?
   Checks should be endorsed with the customer’s signature AND “For Mobile Deposit Only”.
8. How long should I keep a check that was deposited using Mobile Deposit?
   Customers using Mobile Deposit should keep checks for 14 days after the deposit. After 14 days, items should be destroyed or properly disposed of.

Questions About E-Statements

1. Do I need to enroll in MCT Online Banking to receive E-Statements?
   Yes. To receive E-Statements you will first have to be enrolled in MCT Online Banking.
2. How do I enroll in the E-Statement Option in MCT Online Banking?
   1. Login MCT Online Banking
   2. From the top menu, select: Profile and then select: eStatements
   3. Once enrolled, e-statements do not take effect until the following month
3. Is there a fee for E-Statements?
   No. E-Statements are FREE! There is no fee to view your statements online.
4. How many months of statements are available online?
   Up to 24 months or 2 years from the time you enroll in the E-Statement option.
5. How will I know when my statement is available to view online?
   An email alert will be sent to the primary email address on file every time a new statement is ready to be viewed. If you have more than one account enrolled, you will receive an alert for each account. The email will not contain the statement; you will need to logon to MCT Online Banking in order to view your statement.
6. If I change my mind about receiving E-Statements, may I change back to paper statements at any time?
   Yes. Please click here for options to contact us.

Required documentation to apply for a loan