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Checking Accounts


Advantage Plus


Dash Checking


Interest Checking


Prestige Checking

Minimum to Open$50$50$100$100
Monthly Maintenance Fee$7 with electronic statement / $9 with paper statement$0 $10 with electronic statement / $12 with paper statement$13 with electronic statement / $15 with paper statement
Minimum Daily Balance$750 minimum daily balance to waive maintenance fee$0 $2,000 minimum daily balance to waive maintenance fee$2,500 minimum daily balance to waive maintenance fee
Minimum Daily Balance to Earn Interestn/an/a$1,000 minimum balance to earn interest$1,000 minimum daily balance to earn interest
Key BenefitsCell Phone Protection1

ID Protect2

Travel& Leisure Discount Membership3

VISA debit card featuring uChoose Rewards

M&F Card Wallet
No monthly maintenance fees

Earn 1.05% APY on balances up to $10,0004

Receive up to $15 back per statement cycle in ATM refunds4

Check protection available to cover accidental overdrafts

M&F Card Wallet
Three no-fee cashier's checks per statement cycle

Free notary service

Check protection available to cover accidental overdrafts

VISA debit card featuring uChoose Rewards

M&F Card Wallet
Preferred rates on consumer loans with loan payment auto-drafted from an M&F Bank account

Three no-fee cashier's checks per statement cycle

Free notary service

$30 annual discount on safe deposit rental of largest box5

Check protection to cover accidental overdrafts

VISA Debit Card featuring uChoose Rewards

M&F Card Wallet

Smart Money Habits Course

Healthy Financial Habits

Adopting good financial habits can help you can feel more confident about your financial well-being. Explore this course to find out more about how you can develop these habits and make your way to a healthy financial future.

You may also be interested in:

Personal Savings Accounts

Personal Loans & Lines of Credit

Home Equity Lines of Credit

1. Special Insurance Program Notes: The descriptions herein are summaries only. They do not include all terms, conditions, and exclusions of the policies described. Please refer to the actual policies for complete details of coverage and exclusions. Insurance is offered through the company named on the certificate of insurance.

2. IDProtect® service is a personal identity theft protection service available to personal checking account owners, their joint account owners and their eligible family members. The service is available to non-publicly traded businesses and their business owner(s) listed on the account and their eligible family members (service not available to employees or authorized signers who are not owners). Service is not available to a “signer” on the account who is not an account owner. Service is not available to clubs, organizations and/or churches and their members, schools and their employees/students. For revocable grantor trusts, the service is available only when a grantor is serving as a trustee and covers the grantor trustee(s) and their eligible family members. For all other fiduciary accounts, the service covers the beneficiary, who must be the primary member, and their eligible family members (Fiduciary is not covered). A family includes Spouse, persons qualifying as a domestic partner, and children under 25 years of age and parent(s) of the account holder who are residents of the same household.

3. Enrollment required

4. 1.05 Annual Percentage Yield (“APY”) on balances up to $10,000. An interest rate of .25 percent will be paid only for that portion of your daily balance that is greater than $10,000. The annual percentage yield for this tier will range from .25 percent to .26 percent depending upon the balance in the account. .01 percent APY if qualifiers are not met. In order to earn the higher rate of interest on the Dash Checking Account and receive up to $15 back perstatement cycle in ATM fee refunds a you must meet the following criteria (a lower interest rate is earned when qualifiers are not met): Open your account with a minimum deposit of $50, conduct a minimum of 15 debit card transactions that total at least $350 per statement cycle (transactions must post and clear during the statement cycle), login at least once to online/mobile banking per statement cycle, receive an e-statement, complete at least $500 in Direct Deposits per statement cycle.

5. Subject to availability. Annual rent must be on auto-draft

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