Your Guide to the MC Treasury Advantage Upgrade

• Built for growing businesses with advanced banking and treasury management needs
• A modern online platform and mobile app that keep your business connected anytime, anywhere
• Robust treasury tools that support ACH origination, wire transfers, Positive Pay, Remote Deposit Capture, and other critical cash management functions
• Improved security controls, with customizable alerts, user permissions, and security preferences
• Mobile access to treasury services from your smartphone or tablet through the dedicated MC Treasury Advantage app
• Centralized access to balances, transactions, payments, transfers, and treasury services in one platform
• Integration support for QuickBooks, Quicken, and other financial management tools

Staying the same

• Account numbers and routing number
• Banking Center locations, hours, and your bankers
• Account balances and deposit insurance coverage
• Fees and interest rates; funds availability policy
• Direct deposits and automatic payments
• Your current checks
• Statement date and delivery method
• Digital banking limits and dual controls

Changing

• New debit cards and PINs
• New MC Treasury Advantage online banking website and mobile app, with new Bill Pay features
• New telephone banking system
• Business debit cards become eligible for digital wallets
• Extended wire transfer cutoff: 4:30 p.m. Central Time, after the upgrade
• Transaction history limited to the most recent 6 months (currently 24 months). For older items, contact your local Banking Center.
• Some account names (see below)

Account names

Only the names change. Your account numbers, rates, terms, and fees do not.

Action required

1. Watch your mail. New cards are mailed Thursday, October 22 and should arrive by Monday, November 9.
2. Wait to activate. Activate on or after Monday, November 16, following the instructions that come with the card.
3. Set a new PIN when you activate.
4. Your old card stops working on Monday, November 16. Destroy it only after you activate the new card and complete at least one successful transaction.
5. Update merchants that store your card, such as streaming services, utilities, subscriptions, and online retailers, with your new card number and expiration date.
6. Add your card to Apple Pay or Google Pay. Business debit cards are now eligible for digital wallets.

Other card questions? Call 985-384-2100 during regular business hours.

Action required

Before the upgrade (in your current system)

• Download statements, check images, and transaction history you want to keep.
• Print your Bill Pay payees and scheduled payments. Payees convert automatically, and you’ll use the list to double-check them in the new system.
• Print your current alert settings. Alerts do not convert, including security, balance, transaction, transfer, ATM/debit card, chargeback, fee, ACH, and wire alerts.
• Print your list of users and permissions. They convert automatically, and you’ll use the list to verify them starting Monday, November 16.

Your first login (starting Monday, November 16 at 8 a.m.)

Download the app named “MC Treasury Advantage.” Your previous app will no longer work. Want to scan instead? Jump to the QR codes.

1. Each person with MC Treasury Advantage online or mobile banking access should have their own unique username. Most usernames transfer automatically to the new system.
2. If your username will change, a member of our team will contact you personally before the upgrade with additional instructions.
3. For your first login, every authorized user enters the last four digits of the company’s Tax Identification Number (TIN) as the temporary password.
4. You’ll then be prompted to create your own unique, secure password.

Action required

• ACH origination cutoff: Wednesday, November 11. Don’t originate ACH transactions with an effective date later than Thursday, November 12, and allow enough time for processing.
• Online wire transfer cutoff: Friday, November 13 at 2 p.m.
• After the upgrade, the wire transfer cutoff is extended to 4:30 p.m. Central Time.
• Direct deposits and automatic payments (payroll, Social Security, and other ACH) continue without interruption.
• ACH and wire alerts don’t convert. Print your alert settings before the upgrade and set them up again in the new system.

Action required

• Print your current list of users and permissions before Friday, November 13 at 2 p.m.
• Users and permissions convert automatically. Starting Monday, November 16, use your printed list to verify them in the new system.
• Each individual should have their own unique username. If a username will change, our team will contact that user personally before the upgrade.
• For the first login, all authorized users use the last four digits of the company’s TIN as the temporary password, then create their own password. Share this with your authorized users.

Action required

• Last day to schedule payments in the current Bill Pay: Monday, November 9 at 2 a.m.
• Your payees convert automatically. After your first login, review every payee, amount, and frequency against the list you printed.
• In the new system, payments are withdrawn on the “send on” date, not the due date.
• Converted payments use their previous delivery date as the new “send on” date, which could make them late. Review and update all future and recurring payments.

Some payees may be paid by check instead of electronically. For these payees, choose an earlier “send on” date and confirm the payee details match your paper bill.

Transfers

Internal and recurring transfers convert automatically.

Action required

Alerts do not convert. Set them up again in the new system, using the list of alert settings you printed before the upgrade. This applies to all personal and business alerts, including security, balance, transaction, transfer, debit card, chargeback, fee, ACH, and wire alerts.

• Remote Deposit Capture (check scanner): your current scanner will work with the new system after a setup change. Benchmark Technologies will contact you beginning the week of November 2 to schedule setup for the week of November 16.
• Questions? Call Benchmark Technologies at 470-865-6100 and select the Remote Deposit Capture option.
• Positive Pay: if you use it, your banker will reach out personally to discuss your individual needs, including setting up alerts.

Action required

• Download any statements you may need before Friday, November 13 at 2 p.m. The most recent 6 months of transaction history will be available in the new system. Previous statements won’t be available immediately after the upgrade.
• Need older statements later? Contact your banker.
• Final statement: your last statement from the current system, dated November 13, will be mailed to you. There’s no service charge for it.
• New statements follow your regular statement cycle and current delivery method (electronic or paper). eStatement enrollment carries over.
• Tax forms: if you’re eligible, you’ll receive your 2026 Form 1099-INT and Form 1098 by January 31, 2027.

• Checks: keep using your current checks.
• Direct deposits and automatic payments continue without interruption.
• Loans: balances, rates, terms, loan numbers, payment due dates, and payment address are not changing. Automatic payments from your MCBANK account continue, and you can keep using your current coupon books.

Yes. Your balances are protected throughout the upgrade and remain FDIC-insured up to the maximum allowed by law.

You must log in at treasury.mcbt.com/login or in the new MC Treasury Advantage app. The previous app will no longer work. Follow the first-time login steps. Some usernames will be changing, and our team will personally reach out to those users before the upgrade. If you still have trouble, call us.

Prepare before Friday, November 13 at 2 p.m. and reconnect starting Monday, November 16. Use the step-by-step instructions on this page.

Wednesday, November 11. Don’t originate ACH transactions with an effective date later than Thursday, November 12, and allow enough time for processing.

The most recent 6 months of transaction history will be available. Download anything older before Friday, November 13 at 2 p.m.

No. Your fees and interest rates are not changing.

If your card hasn’t arrived by Monday, November 9, call the Upgrade Support Line for your area or visit the nearest Banking Center. See Get help.

Don’t share anything and don’t click any links. MCBANK will never call, text, or email to ask for your username, password, account number, PIN, or full card number. Hang up and call the Upgrade Support Line for your area in Get help.