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. 3.00% Annual Percentage Yield (“APY”) on balances up to $10,000. An interest rate of 0.55% 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 0.55% to 0.56% depending upon the balance in the account. .05 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 per statement 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.

6. An M&F Bank checking account or alternate M&F Bank savings account is required to open a Holiday Savings account. Holiday savings disbursements will automatically be deposited into your M&F account annually on or about October 17th.

7. Substantial penalty for early withdrawal.