About MCB
Mountain Commerce Bank (MCB) is a state-chartered, FDIC-insured, privately held financial institution serving East Tennessee with branches in Unicoi, Washington, and Knox counties. MCB’s focus is simple: providing our customer with hometown service and smart technology. To do this, we have taken the technology, lending ability, and financial services that make big banks attractive, and developed them into a hometown organization with main street values, community responsibility, and excellent personal service for every single customer who comes through our doors. Mission and Values It is our mission to grow and prosper, building long-term relationships based on top-quality service, high ethical standards, and core-funded, safe and sound deposits. These core values are fundamental principals upon which MCB bases its operations and decisions: Integrity, Excellence, Leadership, Communication, Reality, Accountability, Teamwork, and Consideration. We believe that these values provide the appropriate framework to structure an organization that will meet the service needs of its customers, the performance requirements of its shareholders, and the regulatory standards of its authorities. Our Beginnings MCB’s roots dig deep into the mountain south, originating in the small town of Erwin, TN, near the Tennessee North Carolina border. Erwin National Bank, chartered in 1910, had served Unicoi County for nearly 100 years, and had always been the market leader in the area, surviving the Great Depression and the dynamic, changing economy of our country over the decades. Recognizing Erwin National’s financial leadership in the area and potential for expanded market advantage, Mountain Commerce Bancorp, a Federal Reserve Bank holding company, acquired Erwin National on September 1, 2006, changing the name to Mountain Commerce Bank. Development MCB recapitalized Erwin National and began to expand in Unicoi County, and then into Johnson City and Knoxville, growing the Bank from $83 million in assets to more than $300 million, in just over a year. This strong growth was the result of MCB’s experienced consumer and commercial bankers building and maintaining relationships throughout the Bank’s market areas. Currently, MCB has five locations in Erwin, Johnson City, and Knoxville. Why Choose MCB? MCB is unique in that we are a community bank, dedicated to hometown customer service, backed by the technology and service offerings of a big bank. As residents of the communities we serve, the staff of MCB wants to develop financial relationships with professionals, small businesses, and individual consumers who are best suited to our products and services. While many opportunities exist for any bank to acquire quick deposits and solitary accounts, MCB wants to focus its efforts on developing and maintaining relationships with customers who share the same goals for relationship banking. We believe that the best way to help our customers is to listen and show them that we can assist in nearly every aspect of their financial lives, and we have the technology to meet their needs. Only in this mutually supportive environment can a bank truly give hometown service. Inquiries If you have any media relations inquiries, send an email to marketing@mcb.com or call (423) 262-5820.
eStatements
Enroll for eStatements Select the eStatements tab from the menu bar after logging into online banking. Receiving Your eStatements You will receive an email when your eStatement is ready. Simply open the attachment and login to review your statement. Save or Print Save a copy of your statement to your documents folder or print a copy for your files. MCB retains statements online for 18 months. Download our Quick Reference User Guide Security Reminders: We will NEVER email you for your personal information. Any email claiming to be the bank requesting personal information such as Social Security Numbers, IDs, or Passwords should not be trusted or opened. Do not write your password down. Change your password frequently. Use a different password to access your online accounts than ones you use for other applications. Always exit your online banking session before leaving your computer.
Mobile Banking
Mobile Banking offers MCB customers convenient access to their online banking information via their cell phone. Mobile Banking is not limited to iPhones and/or smartphones: however, the cell phone must have Internet access or text message capablity. MCB Mobile Site* As part of MCB’s Hometown Service Smart Technology we are proud to offer our Mobile lineup. With the Mobile Site MCB can take you straight to what matters when you are on the go. Read more... MCB Mobile App* For the App enthusiast down load the MCB Mobile App putting your account right at your finger tips. Read more… MCB Mobile Text Alerts* Monitor your account with ease, using MCB Mobile Text Alerts. Find out if your account is getting too low for your comfort. Receive a notification if a transaction processes on your account for over an amount you choose. These are just some examples of Mobile text alerts. Signup *Your cell phone or mobile device must be equipped to access an Internet browser. Additional charges may apply for Internet usage depending on your wireless carrier. Please consult your wireless provider/carrier for details on correlated rates and charges. All terms and conditions applicable to online-banking may apply to mobile banking.
Age Vantage CD
Use your age to your advantage with our AgeVantage CD. At MCB, we believe that certain privileges come with age. That’s why we’ve developed our new AgeVantage CD. If you are approaching retirement age or have already started to enjoy the benefits of retirement, then the AgeVantage CD is for you. If you are 50 years or older, your age will be converted to basis points and added to the current MCB interest rate. The higher interest rate will allow you to earn more for the things that matter most. Here are a few examples: Age 50 + 0.37 = 0.87% Rate/0.87% APY** Age 65 + 0.37 = 1.02% Rate/1.03% APY** Age 75 + 0.37 = 1.12% Rate /1.13% APY** Age 85 + 0.37 = 1.22% Rate /1.23% APY** Stop by MCB or visit our website at mcb.com today, where you’ll always have an advantage. Offer is available on March 1, 2014 and can expire at any time at the discretion of Mountain Commerce Bank (MCB). Minimum opening deposit is $2500.00. 37-month term. Only available for customers age 50 or older. Penalty for early withdrawals. Interest accrues daily and is added back monthly. Certain restrictions and conditions may apply. Refer to the Deposit Account Terms and Conditions Agreement for additional account information. Fees may reduce earnings. ** All figures in examples are for product explanation. Based on 37-month term, other terms available.