We look forward to serving you.

M&F Bank is a proud supporter of North Carolina communities
and we welcome the opportunity to serve you.

M&F Bank is an independent community bank and has been committed to meeting the needs of our communities for over 100 years.  We recycle our dollars locally to strengthen North Carolina economies.

Business Banking

Explore our suite of business banking products designed to meet the needs of small to mid-sized businesses.

Business Lending & Credit

M&F Bank offers traditional business loans and lines of credit as well as government-backed SBA loan products.

Personal Banking

Bank with us from near or far with our personal banking products featuring online banking, the M&F Bank mobile app and free access to 44,000 ATMs nationwide.

Personal Lending & Credit

Apply for a personal loan up to $25,000 quickly and easily from your smartphone.

Home Equity Line of Credit

Apply for our no closing cost* home equity line of credit to use the equity in your home for large expenses or renovations.


Send money to those you know and trust with Zelle from our mobile app or online banking.

Have Questions? Contact Us.

Old North State Dental Society

Dental Program offerings
Equipment Financing


✓ 100% of cost of new equipment
✓ 5-7 year fixed terms.
✓ Low fees
✓ Special rates and terms expire 12/31/23 1

Business Real Estate Loans


✓ 85% LTV/LTC
✓ 5-7 year fixed terms
✓ Up to a 25 year amortization
✓ Special rates and terms expire 12/31/23 1

Other Business Services

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

Lines of Credit & Credit Cards
Competitive interest rates with no annual fee options available.

Deposit Accounts & Treasury Services
Online banking, mobile deposit, and fraud prevention for business accounts.

• Merchant Processing
Flat processing fee option with more competitive interchange rate for higher monthly volumes.

• Digital Banking

1. M&F Bank reserves the right to modify the program at any time.

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