Personal Checking

• Free Checking
• Opportunity Checking
• Premier 50 +
• Summit Checking
• Summit Checking Plus
• Platinum Checking
• Debit Cards
• Switch to M&F Bank - It's Easy!

Free Checking — Apply Now

• Minimum Opening Deposit of $100
• No Monthly Account Maintenance fee
• Free ATM/debit card
• Unlimited check writing and debit card transactions
• Free Online Banking with Bill Pay
• Monthly statement listing canceled checks. (No image copy or original copy of checks will be returned)
• Free ID ProtectALL^SM including:
  • Free Payment Card Protection
  • $1,000 Personal Identity Theft Protection
  • Free Identity Recovery & Restoration Service
  • Six Months Free Identity Guard® Credit Monitoring Service

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Opportunity Checking — Apply Now

Put the past behind you and find an opportunity to start fresh with M&F Bank. Our Opportunity Checking account offers individuals who have been denied a checking account the chance to re-establish a banking relationship. Qualifying candidates will be able to enjoy an FDIC insured checking account and additional benefits such as a Free Debit Card and Free Online Banking.

• Personal accounts only (individual and joint)
• Minimum Opening Deposit $100
• Low Monthly Maintenance Fee $9.00
• No minimum balance required
• Unlimited check writing and debit card transactions
• Free ATM/Debit Card
• Free Online Banking with Bill Pay
• Monthly statement listing canceled checks. (No image copy or original copy of checks will be returned)
• Free ID ProtectALL^SM including:
  • Free Payment Card Protection
  • $1,000 Personal Identity Theft Protection
  • Free Identity Recovery & Restoration Service
  • Six Months Free Identity Guard® Credit Monitoring Service

Success has its rewards.

• Opportunity Checking customers will automatically upgrade to Free Checking with no monthly service charge if they maintain the account in good standing and have no more than two (2) Non-sufficient Funds (NSFs) for a period of 12 months after the original opening date. A letter will be mailed to each successful customer transitioning to Free Checking which will include disclosures regarding their new account.

For more information, please contact your local M&F Bank branch.

*Certain restrictions apply

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Premier 50 + — Apply Now

• Available to those who are at least 50 years of age or older
• Minimum Opening Deposit of $100
• $5.00 monthly fee if balance falls below $1,000
• $5,000 Travel Accidental Death Insurance
• Free ATM/debit card
• Unlimited check writing and debit card transactions
• Free Online Banking with Bill Pay
• Interest paid on balances over $1,000
• Consumer loan discounts with automatic transfer
• Free notary service, money orders, Travelers Cheques, and official checks
• Free Corporate Image Checks or 50% discount on other check styles
• Payment Card & Personal Identity Protection
• Free ID ProtectALL^SM including:
  • Free Payment Card Protection
  • $2,500 Personal Identity Theft Protection
  • Free Identity Recovery & Restoration Service
  • Six Months Free Identity Guard® Credit Monitoring Service

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• Earn a Premium Rate of interest on balances up to $25,000*
• Minimum Opening Deposit of $100
• No Monthly Account Maintenance fee or Service Charges
• Free ATM/debit card
• Unlimited check writing and debit card transactions
• Free Online Banking with Bill Pay
• Refunded ATM Fees Nationwide up to $25.00 per statement cycle*
• Check Images
• eStatements
• Free ID ProtectALL^SM including:
  • Free Payment Card Protection
  • $1,000 Personal Identity Theft Protection
  • Free Identity Recovery & Restoration Service
  • Six Months Free Identity Guard® Credit Monitoring Service

• Clear at least 12 debit card transactions (excluding ATM transactions)
• Login to M&F Bank Online Banking at least once
• Have at least one direct deposit or monthly ACH debit
• Receive statements electronically - eStatements

*APY (Annual Percentage Yield) and rate may change at any time. Fees may reduce earnings. APY is accurate as of February 1, 2010. For every statement cycle in which any of the above activities are not completed, ATM fee refunds will not be granted and the APY becomes 0.10% APY. 3.05% APY will be paid on balances of $25,000 and less and 1.00% APY will be paid on portions of balances that are above $25,000. The default rate if the criteria are not met is 0.10% APY. Up to $25.00 in ATM fees will be automatically refunded at the end of each statement cycle.

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Summit Checking Plus — Apply Now

• Enjoy all of the perks of your Summit Checking account while receiving the value of Platinum Checking benefits.
• All for one low monthly membership fee of $7.00.

Please see our Platinum Checking Description below for benefit details. Summit Checking rules apply to receive Premium APY.

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Platinum Checking — Apply Now      Member Headquarters - Click Here to Register for Valuable Benefits

• Minimum opening deposit of $100
• $7.00 Monthly membership fee
• Free ATM/debit card
• Free corporate image checks or 50% discount on other check styles. One box per order.
• Unlimited check writing and debit card transactions
• Free Online Banking with Bill Pay
• Reduced interest rates on consumer loans (subject to credit approval)
• Free notary service, Travelers Cheques, official checks, and money orders
• $5,000 Travel Accidental Death Insurance
• Payment Card & Personal Identity Protection
• Local and National Dining Savings
• Local and Online Shopping and Services Discounts
• Emergency Travel and Roadside Assistance Services
• Travel, Hotel, and Recreation Discounts
• Pharmacy, Vision, and Hearing Savings Programs
• Health Product Savings
• Free Safe Deposit Box for one year (3x5 - Subject to availability)
• Free ID ProtectALL^SM including:
  • Free Payment Card Protection
  • $2,500 Personal Identity Theft Protection
  • Free Identity Recovery & Restoration Service
  • Six Months Free Identity Guard® Credit Monitoring Service

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