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Checking Accounts

Designed around your needs.

Personal Checking Accounts

Advantage Plus Checking

This account combines convenience, great benefits, and the flexibility to manage your money.

Features

Open with $50 deposit

Cell Phone Protection1

ID Protect2

Travel& Leisure Discount Membership3

Visa debit card featuring uChoose Rewards

M&F Card Wallet

Account Fees*

$7 with electronic statement/$9 with paper statement

$750 minimum daily balance to waive maintenance fee

*Other fees may apply

Dash Checking

The account to help manage your busy lifestyle. Dash Checking was designed with you in mind.

Features

Open with $50 deposit

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

M&F Card Wallet

*Other fees may apply

Interest Checking

Interest Checking gives you full access to your money, plus you earn interest at competitive rates.

Features

Open with $100 deposit

Earn interest on your balance2

Free notary service

Three no-fee cashier’s checks per statement cycle

Visa debit card featuring uChoose Rewards

M&F Card Wallet

Account Fees*

$10 with electronic statement / $12 with paper statement

$2,000 minimum daily balance to waive maintenance fee

$1,000 minimum balance to earn interest

*Other fees may apply

Prestige Checking

The Prestige account offers the benefit of great checking features and value-added services.

Features

Open with $100 deposit

Earn interest on your balance

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

$30 annual discount on safe deposit rental of largest box5

Three no-fee cashier’s checks per statement cycle

Free notary service

VISA debit card featuring uChoose Rewards

M&F Card Wallet

Account Fees*

$13 with electronic statement / $15 with paper statement

$2,500 minimum daily balance to waive maintenance fee

$1,000 minimum daily balance to earn interest

*Other fees may apply

M&F Card Wallet

Being able to control transactions on, and get alerts for, your M&F Bank cards can help you protect yourself against fraud, and help you manage your family finances better. This is more important now than ever before.

Smart Money Habits Course

Credit Scores & Reports

Your credit score can have a big impact on your financial life. Understanding how credit scores and reports work can help you achieve financial goals such as buying a home, leasing a car, or paying off debt.

Download the
M&F Bank mobile app.

Get banking that goes where you do.

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You may also be interested in:

Savings & CDs

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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