woman holding cellphone in one hand and credit card in the other

Credit Cards

mbc MasterCard®

Why settle for less when it comes to your credit card? Whether you want points, convenience or great service, our Monticello Banking Company MasterCard has it all! Our cards are serviced locally by people you know and trust and you can even redeem your points for rewards!

How do you earn points? Just use your mbc MasterCard for your everyday purchases to earn points! From groceries to fuel to utility bills, your purchases will really pay off. Redeem your points towards rewards and perks that fit your lifestyle. 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 a 0%-1.99% introductory APR 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 Business MasterCard®. 


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.”