North Carolina Dental Society

Dental Program Offerings

Equipment Financing


    • 100% of cost of new equipment
    • Low Fees
    • Special rates and terms expire 03/31/2023¹


Business Real Estate Loans*


    • 85% LTV/LTC
    • Up to 7 years fixed rate
    • Low variable rate
    • Special rates and terms expire 03/31/2023¹

Money Market

This limited transaction account offers interest at money market rates and provides you the ability to withdraw funds when necessary.


Open with $1000 deposit

$2,500 minimum daily balance to earn interest

Account Fees

$12 maintenance fee with electronic statment/$14 maintenance fee with paper statement

Maintenance fee can be waived by maintaining a $5000 minimum daily balance*

*Other fees may apply

Transaction Limits

Three preauthorized transactions per month at no charge2

Up to six total preauthorized withdrawals, automatic or telephonic transfers, checks, drafts and debit card or other similar transactions from your account per month or statement cycle


Combine flexibility and security, with a guaranteed interest rate and a fixed term. Plus, you can choose to have the interest added back into the CD principal or have it deposited into an M&F Bank checking or savings account. The more you invest, the better the interest rate.


Open with $1000 deposit

Fixed rate of return for the entire term

CD Terms from 3 months to 5 years

Investment principal is protected

Automatic renewal

Account Fees

Substantial penalty for early withdrawal


Save securely for retirement while deferring taxes until you access your money, which you can begin doing at age 59½.


Open with $1000 deposit

Variety of fixed-rate investment options available

No start-up or annual fees

Detailed quarterly statements

Some or all of your IRA contribution may be tax deductible.*

*Other fees may apply

Account Fees

Substantial penalty for early withdrawal

Other Business Services

SBA Lending

Leverage SBA financing for acquisition of dental offices and/or real estate.

Business Lines of Credit & Credit Cards

Competitive interest rates with no annual fee options available.

Deposit Accounts & Treasury Management Services

Online Banking, mobile deposit and fraud prevention for business accounts.

Merchant Card Processing

Flat processing fee option of 2.50% with more competitive interchange rate for higher monthly volumes.

Digital Banking

Remote Deposit Capture (When a practice/dentist takes advantage of one of the preceding loans in the dental finance program, the cost of the scanner is covered by the bank.)

Personal Banking Options

Prestige Level Checking Account

Prestige level checking account for participants in the NCDS Dental Program.

    • No minimum balance requirement as a program participant

    • 3 free cashiers check per statement cycle¹

    • $30 discount on safe deposit box rental²

    • No Closing Cost HELOC*


Personal Credit Cards

Competitive interest rates.

    • No annual fee options available

    • Point and Cash Back Rewards options available.**

Wealth Management

Consult with M&F Bank’s Wealth Management team.

    • Retirement Planning

    • Financial Planning

*Bank pays fees up to $1500.00. 1st mortgage can be up to $600,000. Minimum draw is $20,000. **Annual fee applies.

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