person making transaction at a store with their credit card

Credit Cards

When it comes to business, we know how to make it grow. Our Monticello Banking Company Business MasterCard makes it easy to fund new projects, pay for out of town expenses and manage your cash flow, all while earning points! Our mbc Business MasterCard® is the most powerful business card you can carry. It is accepted at merchant locations and ATMs worldwide and allows you to maintain control of company money, while still maintaining flexibility.

How can you earn points? Use your mbc Business MasterCard for your everyday purchases! From utility bills to lease payments to business events, your purchases will really pay off. Redeem your points towards a variety rewards and perks. Including travel, gift cards, merchandise, experiences, green products, charitable donations, discount memberships and even cash back! Learn more about our rewards program, MBC Extra Awards.

The great features don’t stop there! Enjoy competitive rates for purchases, balance transfers and cash advances. Plus, NO annual fee! You can even apply and make payments at any of our Monticello Banking Company locations.

mbc MasterCard Chip Cards

As a commitment to your security, MBC is bringing your MasterCard to the next level of protection by implementing EMV chips. EMV chips are encrypted microchips embedded in the credit card. They provide an enhanced layer of security to your transactions proven to reduce counterfeit fraud. This Chip technology is now the industry standard in the U.S.

Using your new MasterCard chip card at businesses and ATMs is easy! Just follow these steps:
  1. Following the instructions on the ATM or point of sale terminal, insert your chip card into the terminal. Be sure to leave your card in the terminal until the transaction is complete. If you remove your card too soon, the transaction will end and your purchase will not be processed.
  2. Input your PIN or sign your sales receipt to complete your purchase, if necessary.
  3. For sales transactions, your purchase amount will display on the terminal.
  4. Remove your card once the transaction is complete.
The chip cards will still have the usual magnetic stripe on the back so you can continue using your card at non-chip point of sale terminals and ATMs.

Visit us to apply for your mbc MasterCard®.

Learn about our mbc Personal MasterCard®.

360Control by Fiserv

Fiserv's 360Control commercial card management system enables you to manage commercial card transactions through a web-based user interface. This tool is designed to provide greater visibility and control of expenses. 360Control was designed to empower a business to manage certain aspects of a card program, including making payments, settings credit limits, adding and removing cardholders, placing travel strategies and more!

There are four main reason why a company would use 360Control:
  • User Management
  • Card Management
  • Reporting
  •  Accounting (Cost Allocation)
There are two roles within the system:
  • Program Administrators
  •  Cardholders
Program Administrators (PAs) maintain their business’ user and card details via the 360Control system. They have the ability to create and maintain user and card accounts, set spending limits and strategies, and run reports and inquiries.

Cardholders can view card transactions, statements, authorizations or declines on their card accounts, and update their personal information.

These guides provides documentation about the cardholder’s and Program Administrator's key features within 360Control (available features vary between each business):

Are you ready to take advantage of 360Control? Contact our Credit Card Department at 606.767.5740 to get started!



Did you know you can control your Monticello Bank card(s) directly from your smartphone? Our online banking platform, myMBC, and goMBC, our mobile banking app, let you choose how, when, and where your card is used.
When it comes to card security, MyCardRules has you covered! This powerful tool puts you in charge of your mbc Visa® Debit Card and how it can be used. It's as easy as a tap on your phone!
With MyCardRules Card Management, you can:
  • Turn your cards on and off if they’re lost, stolen or being misused.
  • Get instant alerts when your cards are used.
  • Set dollar limits to keep spending in check.
  • Prevent transactions that don’t match your settings.
It’s just another way the goMBC app helps you safely and securely manage your money.
Don't have our goMBC app? Download it from the Apple App Store or the Google Play Store by searching “goMBC” or “Monticello Bank.”