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Take the first step toward smarter banking with MCB Virtual Wallet – your personalized checking, savings, and financial tools all in one place. Begin your account creation now.

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Products & Services

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Mobile Online App

Bank anytime, anywhere.

Open a new account, deposit a check, check balances, make bill payments and more – all from online app on your smartphone or tablet.
Available in English.

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Mobile banking app

Digital Tools Built for Ease

Save time, shop online more easily and stay in the know

Get the support of our helpful digital tools like the Monument City Online app, virtual cards, proactive alerts and more.

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Financial Wellness

Stay on top of your finances

Use our budgeting tools, alerts, and savings features to help improve your financial health and plan ahead confidently.

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Financial Wellness
24/7 Support

24/7 Customer Support

We're always here to help — day or night.

Security

Top-Notch Security

Advanced encryption and fraud protection you can trust.

Rewards

Exclusive Rewards

Earn points and perks with eligible MCB services.

Insights

Make today the day you take the next step toward your financial goals.

Managed accounts Invest

Managed Accounts Offer Customization and Opportunity for Investors

A professionally managed account can help you invest in markets to outpace inflation.

3 min read
Retirement planning Invest

Why Supplemental Income Instruments Could be Right for Your Retirement

Concerns over market uncertainty and inflation may require re-evaluating your retirement plan.

3 min read
College savings Invest

Saving for College: Why it Pays to Start Early

It’s important to save for college in a way that maximizes potential return and minimizes tax liability.

3 min read
View More Insights

Important Legal Disclosures & Information

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Monument City Bank does not charge a fee for Mobile Banking. However, third party message and data rates may apply. These include fees your wireless carrier may charge you for data usage and text messaging services. Check with your wireless carrier for details regarding your specific wireless plan and any data usage or text messaging charges that may apply. Also, a supported mobile device is needed to use the Mobile Banking App. Mobile Deposit is a feature of MCB Mobile Banking. Use of the Mobile Deposit feature requires a supported camera-equipped device and you must download our mobile banking app. Eligible MCB account and Online Banking required. Certain other restrictions apply.

The customer videos on this site are non-paid testimonials by real MCB customers.

LOAN INFORMATION

Monument City Bank, MCB Home Loans, and MCB Home Solutions are registered service marks of Monument City Bank, Inc. ("MCB"). All loans are provided by Monument City Bank, National Association, and are subject to credit approval and property appraisal.

Monument City Bank, Inc. ("MCB") uses the marketing names MCB Private Banking™ and MCB Wealth Management® to provide investment consulting and wealth management, fiduciary services, FDIC-insured banking products and services, and lending of funds to individual clients through Monument City Bank, National Association ("MCB Bank"), which is a Member FDIC. Investments: Not FDIC Insured. No Bank Guarantee. May Lose Value.

©2025 Monument City Bank, Inc. All rights reserved. Monument City Bank, National Association. Member FDIC.

Read a summary of privacy rights for California residents which outlines the types of information we collect, and how and why we use that information.