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Personal Checking at M&F Bank

Personal Checking Accounts

When it comes to personal checking accounts, we know that there is no one-size-fits-all option. That’s why, at M&F Bank, we offer a range of checking accounts with diverse benefits and features, meeting you where you are in your financial journey.

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Advantage Plus

Step into a world of benefits with our Advantage Plus Checking Account.

Features and Benefits

  • Open with a $50 deposit
  •  Safeguard your identity with ID Protect ¹
  • Protect your cell phone with ease, including up to $300 towards cell phone replacement or repair²
  •  Benefit from discounted shopping, dining, and travel experiences³ while enjoying the benefits of our Visa debit card with uChoose Rewards®

Fees

  • $7 monthly maintenance fee when you enroll in eStatements; $9 with paper statements
  • Avoid monthly maintenance fees by maintaining a $750 minimum daily balance

Dash Checking Account

Earn interest at our highest rate with your day-to-day purchases by completing qualifying activities4 with our Dash Checking Account.

Features and Benefits

  • Open with $50 deposit
  • Earn up to 3.00% APY on balances up to $10,0004
  • No monthly maintenance fees.

Qualifying Activities

In order to earn the higher rate of interest on the Dash Checking Account, you must complete the below activities during the statement cycle:

  • Conduct a minimum of 15 debit card transactions that total at least $350
  • Login at least once to online/mobile banking
  • Receive an eStatement
  • Complete at least $500 in direct deposits

Interest Checking Account

Enjoy interest earnings without required activities, plus access to valuable services with no fees.

 Features and Benefits

  • Open with a $100 deposit
  • Three no-fee cashier’s checks per statement cycle
  • Free notary service
  • Visa debit card featuring uChoose Rewards®

 Fees

  • $10 monthly maintenance fee when you enroll in eStatements; $12 with paper statements
  • Avoid monthly maintenance fees by maintaining a $2,000 minimum daily balance

Prestige Checking Account

Elevate your banking experience with M&F Bank’s Prestige Checking. This account rewards you with interest earnings without required activities.

Features and Benefits

  • Open with a $100 deposit
  • Earn interest on your balance with no required activities
  • Benefit from preferred rates on consumer loans5
  • receive a $30 annual discount on the largest safe deposit box6
  • Three no-fee cashier’s checks per statement cycle
  • Visa debit card featuring uChoose Rewards®

Fees

  • $12 monthly maintenance fee when you enroll in eStatements; $15 with paper statements
  • Avoid monthly maintenance fees by maintaining a $2,500 minimum daily balance

Easily apply for a new account online today

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Open An Account Video

Enjoy Fee-Free Access to
Nationwide ATM Networks

Enjoy the freedom to manage your finances seamlessly, no matter where life takes you. As an M&F Bank customer, you gain access to a vast network of over 44,000 ATMs nationwide. Through our partnerships with Bank of America, JPMorgan Chase, and Wells Fargo, you can withdraw cash almost anywhere in the country with no fees.

ATM Access

Zelle ®

With an M&F Bank personal checking account, you can also take your financial flexibility to the next level with Zelle®. Seamlessly integrated into our mobile app and online banking platform, Zelle® empowers you to initiate safe transactions quickly and easily with those you know and trust.

Zelle® Promo Video

uChoose Rewards®

Reward Yourself

uChoose Rewards® gives you more flexibility and choice than ever when it comes to redeeming your reward points. You can choose from things like merchandise, travel experiences and activities, event tickets, merchant gift cards and more, so you’re sure to find something you’d like. We think that when it comes to rewards programs, the toughest part should be deciding exactly what to choose from a lot of great options.

Learn More

 

Terms and Conditions
1. IDProtect® service is a personal identity theft protection service available to individual checking account owners, joint account owners, and 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 accessible to employees or authorized signers who are not owners). Service is unavailable to a “signer” on the account who is not an account owner. Service is unavailable to clubs, organizations, and churches and their members, schools, and employees/students. 
For revocable grantor trusts, the service is available only when a grantor serves 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 a spouse, persons qualifying as a domestic partner, children under 25 years of age, and parent(s) of the account holder who are residents of the same household. 
2. Special Insurance Program Notes: The descriptions herein are summaries only. They do not include all the policies’ terms, conditions, and exclusions 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. 
3. Enrollment required. 
4. 3.00% Annual Percentage Yield (“APY”) on balances up to $10,000. You will receive an interest rate of 0.55% only for the 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. You will receive .05 percent APY if you don’t meet qualifiers. To earn the higher rate of interest on the Dash Checking Account, you must meet the following criteria (without meeting qualifiers, you will earn a lower interest rate): 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. Loan payments must be auto-drafted from an M&F Bank account. 
6. Subject to availability. Annual rent must be on auto-draft.

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