Are you constantly on the go? Do you enjoy the convenience of electronic banking? Do you want to earn interest and avoid those pesky maintenance fees?  

We have the account to help manage your busy lifestyle. M&F Bank’s Dash Checking Account was designed with you in mind — an interest-bearing account with no monthly maintenance fees.

And if you’re concerned about the availability of ATMs, with Dash Checking, you may be eligible to receive up to $15 back per statement cycle with the M&F Bank nationwide ATM Fee Refunds.

Dash Checking Account

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, you must meet the following qualifiers (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.

Interest rate information:*

  • 1.05% Annual Percentage Yield (“APY”) on balances up to $10,000
  • An interest rate of .25% 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% to .26% depending upon the balance in the account
  • .01% APY if qualifiers are not met

(*To receive the bonus and higher rate of interest, you must meet all qualifiers of the Dash Checking account to include opening the account with a minimum of $50, conducting a minimum of 15 debit card transactions that total at least $350 per statement cycle (transactions must post and clear during the statement cycle), logging in at least once to online/mobile banking per statement cycle, and receiving an e-statement. The rates stated above may change after the account is opened. APY is accurate as of January 1, 2021. Fees may reduce the earnings on the account.)

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SBA Lending

Let our experienced commercial lenders guide you to the loan program that’s right just for you.

Ever since we opened our doors, M&F Bank has been committed to helping small businesses reach their dreams and aspirations. As a Small Business Association lender, we provide many loan options to help you meet your goals.

M&F Bank’s SBA loans feature low down payments, affordable financing, longer repayment terms and fewer collateral requirements.

Plus, with our dedicated and experience local support team and our SBA loans backed by the federal government, you’ll have peace of mind knowing that your business is in just the right hands.

Let our experienced commercial lenders guide you to the loan program that’s right just for you.

Our Team

Durham Area

Soberina Traywick

Daniel Bellamy

Relationship Manager | SBA &
Business Loans


Raleigh Area

Soberina Traywick

Soberina Traywick

Relationship Manager | SBA &
Business Loans


Access to a Nationwide ATM Network

Nationwide ATM Access

M&F Bank now offers free access to a nationwide network of approximately 13,000 ATMs, through a partnership with Wells Fargo. This partnership is a part of Wells Fargo’s commitment to support economic growth in African American communities, where minority depository institutions like M&F Bank, provide consumer loan credit, small business lending, and other banking services.

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