Checking Accounts

M&F Bank can help you find the checking account that’s right for you, your family and your life today — from everyday checking to interest bearing, to long-term convenience and security.

Even more important, we’ll work closely with you to make sure that even as your needs change, you’ll have established a banking relationship you can count on for years to come.

Several accounts to choose from that fit your need.

Compare Accounts Below

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


  • $50 minimum to open account
  • Monthly Maintenance Fee - $7 with electronic statement/$9 with paper statement.
  • $750 minimum daily balance to waive maintenance fee
  • Cellular Telephone Protection1
  • ID Protect®2
  • Travel & Leisure Discount Membership (registration / enrollment required)
  • Unlimited teller transactions
  • Unlimited check writing privileges / Point of Sale transactions per cycle
  • Free VISA® Debit Card featuring uChoose Rewards®
  • Unlimited access to M&F Bank ATMs
  • 24 hour account information with DIRECT ACCESS
  • Free Online Banking and Bill Pay with MFBonline
  • Check protection available to cover accidental overdrafts
  • CardValet®

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


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
  • Conduct at least one bill pay transaction or direct deposit per statement cycle

Interest rate information:*

  • 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
  • Check protection available to cover accidental overdrafts

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


  • $100 minimum to open account
  • Monthly Maintenance Fee — $10 with electronic statement / $12 with paper statement
  • $2,000 minimum daily balance to waive maintenance fee
  • $1,000 minimum balance to earn interest
  • Unlimited teller transactions
  • Unlimited check writing privileges / Point of Sale transactions per cycle
  • Free VISA® Debit Card featuring uChoose Rewards® • Unlimited access to M&F Bank ATMs
  • 24 hour account information with DIRECT ACCESS
  • Free Online Banking and Bill Pay with MFBonline
  • Check protection available to cover accidental overdrafts
  • Three no-fee cashier’s checks per statement cycle
  • Free notary service

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


  • $100 minimum to open account
  • Monthly Maintenance Fee — $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
  • Unlimited teller transactions
  • Unlimited check writing privileges / Point of Sale transactions per cycle
  • Free VISA® Debit Card featuring uChoose Rewards®
  • Unlimited access to M&F Bank ATMs
  • 24 hour account information with DIRECT ACCESS
  • Free Online Banking and Bill Pay with MFBonline
  • Check protection to cover accidental overdrafts
  • Preferred rates on consumer loans with loan payment auto-drafted from an M&F Bank account
  • Three no-fee cashier’s checks per statement cycle
  • Free notary service
  • $30 annual discount on safe deposit rental of largest box (subject to availability, annual rent must be on auto-draft)
  • CardValet®

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


  • $50 minimum to open account
  • Monthly Maintenance Fee - $7 with electronic statement/$9 with paper statement.
  • $750 minimum daily balance to waive maintenance fee
  • Cellular Telephone Protection1
  • ID Protect®2
  • Travel & Leisure Discount Membership (registration / enrollment required)
  • Unlimited teller transactions
  • Unlimited check writing privileges / Point of Sale transactions per cycle
  • Free VISA® Debit Card featuring uChoose Rewards®
  • Unlimited access to M&F Bank ATMs
  • 24 hour account information with DIRECT ACCESS
  • Free Online Banking and Bill Pay with MFBonline
  • Check protection available to cover accidental overdrafts
  • CardValet®

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


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
  • Conduct at least one bill pay transaction or direct deposit per statement cycle

Interest rate information:*

  • 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
  • Check protection available to cover accidental overdrafts

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


  • $100 minimum to open account
  • Monthly Maintenance Fee — $10 with electronic statement / $12 with paper statement
  • $2,000 minimum daily balance to waive maintenance fee
  • $1,000 minimum balance to earn interest
  • Unlimited teller transactions
  • Unlimited check writing privileges / Point of Sale transactions per cycle
  • Free VISA® Debit Card featuring uChoose Rewards® • Unlimited access to M&F Bank ATMs
  • 24 hour account information with DIRECT ACCESS
  • Free Online Banking and Bill Pay with MFBonline
  • Check protection available to cover accidental overdrafts
  • Three no-fee cashier’s checks per statement cycle
  • Free notary service

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


  • $100 minimum to open account
  • Monthly Maintenance Fee — $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
  • Unlimited teller transactions
  • Unlimited check writing privileges / Point of Sale transactions per cycle
  • Free VISA® Debit Card featuring uChoose Rewards®
  • Unlimited access to M&F Bank ATMs
  • 24 hour account information with DIRECT ACCESS
  • Free Online Banking and Bill Pay with MFBonline
  • Check protection to cover accidental overdrafts
  • Preferred rates on consumer loans with loan payment auto-drafted from an M&F Bank account
  • Three no-fee cashier’s checks per statement cycle
  • Free notary service
  • $30 annual discount on safe deposit rental of largest box (subject to availability, annual rent must be on auto-draft)
  • CardValet®

1Special 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.  

2IDProtect® 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.

Insurance Products are not insured by the FDIC or any Federal Government Agency; not a deposit of or guaranteed by the bank or any bank affiliate.

*Please ask your M&F Bank representative about system requirements.

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