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What's important to you when it comes to checking?

 

Gratis Checking - Basic checking, free.

Collegiate Checking - A no-fee account especially for college students.

Regular Checking - Our most popular checking account - low-cost, lots of options and flexibility.

Interest Checking - Earn competitive interest and have full access to your money!

Relationship Banking - packaged checking accounts with extra features built in

 

Gratis Checking Account

No service charges. No minimum balance. No direct deposit required. Free unlimited teller access. Free unlimited check writing. No-fee VISA ® CheckCard. Free image statements. Free Online Banking and Bill Pay.

 

All this, plus M&F Bank's unmatched commitment to customer satisfaction!

 

 

Open with as little as $25.00

 

Unlimited teller transactions

 

Unlimited check writing privileges

 

Free image statement

 

No-fee VISA® CheckCard

 

24 hour account information with DIRECT ACCESS 1

 

Free Online Banking and Bill Pay with MFBonline 2

 

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Collegiate Checking Account

No service charges. No minimum balance. No direct deposit required. Free unlimited teller access. No-fee VISA ® CheckCard. Free image statements. Free Online Banking and Bill Pay .

 

 

Unlimited teller transactions

 

Unlimited check writing privileges

 

Free image statement

 

No-fee VISA® CheckCard

 

24 hour account information with DIRECT ACCESS 1

 

Free Online Banking and Bill Pay with MFBonline 2

 

No surcharge for use of foreign ATM 7

  
 

Minimum to open

$25.00

 

Check/POS fee

Unlimited check writing/POS transactions

 

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Regular Checking Account

M&F Bank's Regular Checking account is a convenient, low-cost tool for managing your money. Receive all the benefits of our most popular checking account with new lower balance requirements, giving you the control over monthly maintenance fees.

 

 

No monthly maintenance fee with low balance requirements

 

Free image statement - detailed, convenient, easy to manage your account!

 

Unlimited teller transactions at any branch location

 

Unlimited check writing privileges - no per-check charges

 

Automated telephone banking with DIRECT ACCESS 1

 

Free Online Banking and Bill Pay with MFBonline 2 - transfer funds between accounts!

 

24 hour ATM or VISA ® CheckCard

 

 

 

Minimum to open

$100.00

 

Maintenance fee

$8.00 per statement cycle

 

No maintenance fee

$400 minimum daily balance OR

 

 

$750 average balance OR

 

 

$750 savings/CD balance

 

Check/POS fee

$0.35 for each check or POS if minimum balance is not maintained. No Charge if Minimum Balance met

 

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Interest Checking

With M&F Bank's Interest Checking Account you have full access to your money, plus you earn interest at competitive rates!

 

 

The interest you earn increases with your balance!

 

Free image statement - detailed, convenient, easy to manage your account!

 

Unlimited teller transactions at any branch location

 

Automated telephone banking with DIRECT ACCESS 1

 

Free Online Banking and Bill Pay with MFBonline 2 - transfer funds between accounts!

 

No-fee VISA ® CheckCard

 

Monthly maintenance fee waived with reasonable balance requirements

 

Check protection available - ask how you can protect yourself against accidental overdrafts 3

 

 

 

Minimum to open

$100.00

 

Minimum to earn interest

$500.00

 

Maintenance fee

$10.00 per statement cycle

 

No maintenance fee

$1,000 minimum daily balance OR

 

 

$2,000 average daily balance OR

 

 

$2,500 savings/CD balance

 

Check/POS fee

unlimited checks/POS per cycle

 

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Relationship Banking

At Mechanics and Farmers Bank, we know that banking is really about relationships. We consider it a privilege to serve you, and believe that your banking relationship with us warrants special consideration. That's why we've expanded and enhanced our family of packaged checking accounts to give you even more value with your checking account.

 

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Prestige Checking Account

The M&F Bank Prestige Account is designed for individuals whose banking relationships call for checking plus value-added services. Prestige Checking Account customers receive free checks, preferred rates on consumer loans, and so much more!

 

 

Only $100 to open your Prestige Checking Account

 

Lower balance requirements to waive monthly maintenance fee

 

Free standard checks with unlimited check writing privileges

 

No-fee VISA ® CheckCard - good anywhere that VISA ® is accepted, 24 hours a day, 7 days a week!

 

Check protection - protects you against accidental overdrafts 3

 

Preferred rates on consumer loans with auto-debit from an M&F Bank account - save money on loan interest! 6

 

Three no-fee cashier's checks per statement cycle

 

Free notary service

 

Unlimited no-fee ATM withdrawals 7

 

Unlimited 24-hour account information with DIRECT ACCESS 1

 

Free online Bill Pay 2

 

Free image statement - detailed, convenient, easy to manage your account!

 

 

 

Minimum to open

$100.00

 

Maintenance fee

$15 per statement cycle

 

No maintenance fee

$2500 min. daily OR

 

 

$7500 combined savings, CDs

 

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Prestige Silver Checking Account

You're seasoned, you're established and you deserve to be rewarded! M&F Bank's Prestige Silver Checking Account is designed especially for our special customers who are 50 years of age or more. Earn competitive interest on balances, receive preferred rates on certificates of deposits, enjoy unlimited access to your account, and so much more!

 

 

Open your Prestige Silver Checking Account with as little as $100

 

Start earning interest immediately - the higher your balance, the more you earn!

 

Monthly maintenance fee waived with reasonable balance requirements

 

Free standard checks with unlimited check writing privileges

 

Check protection - protects you against accidental overdrafts 3

 

Preferred rates on certificates of deposit ++

 

No penalty for early withdrawal of CD for medical emergencies 5

 

No-fee VISA ® CheckCard - good anywhere that VISA ® is accepted, 24 hours a day, 7 days a week!

 

Free regular traveler's checks

 

Three no-fee cashier's checks per statement cycle

 

Free notary service

 

Unlimited no-fee ATM withdrawals 7

 

Unlimited 24-hour account information with DIRECT ACCESS 1

 

Free online Bill Pay 2

 

Free image statement - detailed, convenient, easy to manage your account!

 

 

 

Minimum to open

$100.00

 

Minimum to earn interest

$100.00

 

Maintenance fee

$10 per statement cycle

 

No maintenance fee

$100 minimum daily balance

 

 

 

 

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Prestige Gold Checking Account

The M&F Bank Prestige Gold Checking Account is our premium checking account package. This account is especially designed for customers who desire a more substantial banking relationship, with unlimited freedom in managing their checking accounts and significant additional no-fee services. Prestige Gold Checking may be the last checking account you will ever need.

 

 

$500 will open your Prestige Gold Checking Account

 

Start earning interest immediately - the higher your balance, the more you earn!

 

Lower balance requirements to waive monthly maintenance fee

 

Free standard checks with unlimited check writing privileges

 

No-fee VISA ® CheckCard - good anywhere that VISA ® is accepted, 24 hours a day, 7 days a week!

 

Check protection - protects you against accidental overdrafts 3

 

Preferred rates on certificates of deposit 4

 

No penalty for early withdrawal of CD for medical emergencies 5

 

Preferred rates on select consumer loans with auto-debit from an M&F Bank account - save money on loan interest! 6

 

Free regular traveler's checks

 

Three no-fee cashier's checks per statement cycle

 

Free notary service

 

Unlimited no-fee ATM withdrawals 7

 

Unlimited 24-hour account information with DIRECT ACCESS 1

 

Free online Bill Pay 2

 

Free image statement - detailed, convenient, easy to manage your account!

 

 

 

Minimum to open

$500.00

 

Minimum to earn interest

$1,000.00

 

Maintenance fee

$15 per statement cycle

 

No maintenance fee

no minimum daily but combined

 

 

balance of $5,000

 

 

 

 

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1. Unlimited Auto Phone Access

2. Ask your M&F Bank representative about enrollment and systems requirements.

3. Credit line determined, subject to credit approval

4. Minimum of $10,000 per CD; special CDs not included

5. After seven days. Federal regulations require that the Bank impose a penalty of seven days simple interest on amounts withdrawn within first six days after CD is opened

6. Home equity lines of credit and home mortgages not included

7. We will not charge a fee for use of foreign ATM; other banks' fees may apply

 

 

 

 

 

 

 

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