Checking Accounts


Advantage
Plus


Dash
Checking


Interest
Checking


Prestige
Checking

Minimum to Open$50$50$100$100
Monthly Maintenance Fee$7 with electronic statement/$9 with paper statement$0 $10 with electronic statement / $12 with paper statement$13 with electronic statement / $15 with paper statement
Minimum Daily Balance$750 minimum daily balance to waive maintenance fee$0 •$2,000 minimum daily balance to waive maintenance fee
•$1,000 minimum balance to earn interest
•$2,500 minimum daily balance to waive maintenance fee
• $1,000 minimum daily balance to earn interest
Key BenefitsCell Phone Protection1

ID Protect2

Travel& Leisure Discount Membership3

VISA debit card featuring uChoose Rewards

CardValet
Earn 1.05 APY on balances up to $10,0004

Receive up to $15 back per statement cycle in ATM refunds4

Check protection available to cover accidental overdrafts
VISA debit card featuring uChoose Rewards

Check protection available to cover accidental overdrafts

Three no-fee cashier's checks per statement cycle

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

Check protection to cover accidental overdrafts

Three no-fee cashier's checks per statement cycle

Free notary service

$30 annual discount on safe deposit rental of largest box5

CardValet

VISA Debit Card featuring uChoose Rewards




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
5 (subject to availability, annual rent must be on auto-draft)

Advantage
Plus

Minimum to Open
$50
Monthly Maintenance Fee
$7 with electronic statement/$9 with paper statement
Minimum Daily Balance
$750 minimum daily balance to waive maintenance fee
Key Benefits
Cell Phone Protection1

ID Protect2

Travel& Leisure Discount Membership3

VISA debit card featuring uChoose Rewards

CardValet

Dash Checking

Minimum to Open
$50
Monthly Maintenance Fee
$0
Minimum Daily Balance
$0
Key Benefits
Earn 1.05 APY on balances up to $10,0004

Receive up to $15 back per statement cycle in ATM refunds4

Check protection available to cover accidental overdrafts

Interest Checking

Minimum to Open
$100
Monthly Maintenance Fee
$10 with electronic statement / $12 with paper statement
Minimum Daily Balance

•$2,000 minimum daily balance to waive maintenance fee
•$1,000 minimum balance to earn interest

Key Benefits

VISA debit card featuring uChoose Rewards

Check protection available to cover accidental overdrafts

Three no-fee cashier’s checks per statement cycle

Free notary service

Prestige Checking

Minimum to Open
$100
Monthly Maintenance Fee
$13 with electronic statement / $15 with paper statement
Minimum Daily Balance
•$2,500 minimum daily balance to waive maintenance fee

• $1,000 minimum daily balance to earn interest
Key Benefits
Preferred rates on consumer loans with loan payment auto-drafted from an M&F Bank account

Check protection to cover accidental overdrafts

Three no-fee cashier’s checks per statement cycle

Free notary service

$30 annual discount on safe deposit rental of largest box5

CardValet

VISA Debit Card featuring uChoose Rewards

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
5 (subject to availability, annual rent must be on auto-draft)

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