Checking Accounts. You& Getting More For Your Money.

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You

&

Getting

More

For Your

Money.

You

&

We

Checking Accounts

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M&F Bank can help you find the checking

account that’s right for you, your family and

your life today — from no fee and easy, 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.

HEADING OUT ON YOUR OWN? Our Gratis Checking Account makes setting up an account and managing your money easy — no muss, no fuss, no fees, no worries. GRATIS CHECKING ACCOUNT*

• $25 minimum to open account

• No maintenance fee per statement cycle

• Unlimited teller transactions

• Unlimited check writing privileges / Point of Sale transactions per cycle

• Free statement with check images

• Free VISA® CheckCard

• Unlimited access to M&F Bank ATMs

• 24 hour account information with DIRECT ACCESS1

• Free Online Banking and Bill Pay with MFBonline2

Basic Checking

HAVE MORE TO MANAGE?

Our Everyday accounts are a great way to stay on top of everything. REGULAR CHECKING ACCOUNT* This account combines convenience, low costs and the flexibility to manage your money in the way that works best for you. • $100 minimum to open account

• $500 average daily balance to waive maintenance fee

• If average daily balance is below $500: > $0.35 charge for each Check/Point of

Sale transaction after 12

> $10 maintenance fee per statement cycle

• Unlimited teller transactions

• Unlimited check writing privileges/Point of Sale transactions per cycle if $500 average daily balance is met

• Free statement with check images

• Free VISA® CheckCard

• Unlimited access to M&F Bank ATMs

• 24 hour account information with DIRECT ACCESS1

• Free Online Banking and Bill Pay with MFBonline2

Everyday Checking

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

• $100 minimum to open account

• $1,000 minimum balance to earn interest

• $2,000 average daily balance to waive maintenance fee

• If average daily balance is below $2,000: >$12 maintenance fee per statement cycle

• Unlimited teller transactions

• Unlimited check writing privileges/Point of Sale transactions per cycle

• Free statement with check images

• Free VISA® CheckCard

• Unlimited access to M&F Bank ATMs

• 24 hour account information with DIRECT ACCESS1

• Free Online Banking and Bill Pay with MFBonline2

• Three no-fee cashier’s checks per statement cycle

• Free notary service

• $100 minimum to open account

• $2,500 average daily balance to waive maintenance fee

• If average daily balance is below $2,500: > $15 maintenance fee per statement cycle

• Unlimited teller transactions

• Unlimited check writing privileges/ Point of Sale transactions per cycle if $2,500 average daily balance is met

• Free statement with check images

• Free VISA® CheckCard

• Unlimited access to M&F Bank ATMs

• 24 hour account information with DIRECT ACCESS1

• Free Online Banking and Bill Pay with MFBonline2

• Check protection to cover accidental overdrafts3

• Preferred rates on consumer loans with auto-draft from an M&F Bank account6

• Three no-fee cashier’s checks per statement cycle

• Free notary service

Prestige Checking

READY TO TAKE your banking relationship to the next level? Our Prestige Accounts are ideal for those who want extra services. PRESTIGE CHECKING ACCOUNT The Prestige account offers the benefit of great checking features and value-added services — including free checks and preferred rates on consumer loans.

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• $100 minimum to open account

• $1,000 minimum balance to earn interest

• $1,000 average daily balance to waive maintenance fee

• If average daily balance is below $1,000: > $12 maintenance fee per statement cycle

• Unlimited teller transactions

• Unlimited check writing privileges/Point of Sale transactions per cycle if $1,000 average daily balance is met

• Free statement with check images

• Free VISA® CheckCard

• Unlimited access to M&F Bank ATMs

• 24 hour account information with DIRECT ACCESS1

• Free Online Banking and Bill Pay with MFBonline2

• Check protection to cover overdrafts3

• Preferred rates on certificates of deposits4

• No penalty for early withdrawal of certificates of deposits for medical emergencies5

• Three no-fee cashier’s checks per statement cycle

• Free notary service

PRESTIGE SILVER CHECKING ACCOUNT With age comes wisdom — not to mention a few extra rewards. Designed with

customers 50+ in mind, Prestige Silver offers competitive interest on balances, preferred rates on certificates of deposits and unlimited access to your account.

PRESTIGE GOLD CHECKING ACCOUNT Prestige Gold is a premium package with unlimited freedom in managing your checking accounts, along with significant additional no-fee services.

• $500 minimum to open account

• $1,500 minimum balance to earn interest

• $2,500 average daily balance to waive maintenance fee

• If average daily balance is below $2,500: > $15 maintenance fee per statement cycle

• Unlimited teller transactions

• Unlimited check writing privileges/Point of Sale transactions per cycle if $2,500 average daily balance is met

• Free statement with check images

• Free VISA® CheckCard

• Unlimited access to M&F Bank ATMs

• 24 hour account information with DIRECT ACCESS1

• Free Online Banking and Bill Pay with MFBonline2

• Check protection to cover overdrafts3

• Preferred rates on certificate of deposits4

• No penalty for early withdrawal of certificate of deposits for medical emergencies5

• Preferred rates on consumer loans with auto-draft from an M&F Bank account6

• Three no-fee cashier’s checks per statement cycle

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Mortgage financing / Mobile banking / SBA financing Business banking / Wealth management Online banking / Deposit accounts 800-433-8283 / mfbonline.com Charlotte / Durham / Greensboro / Raleigh / Winston-Salem

You

&

We

Have a dream.

Since 1907, M&F Bank has served those who wouldn’t be served elsewhere. Today, we still believe in the power of community. The power of doing what’s right. The power of You&We.TM

Visit mfbonline.com to learn more.

1Unlimited Auto Phone Access. 2Ask your M&F Bank representative about

enrollment and systems requirements. 3Credit line determined, subject to credit

approval. 4Minimum of $10,000 per certificate of deposit. 5After seven days.

Federal regulations require that the Bank impose a penalty of seven days simple interest on amounts withdrawn within the first six days after the certificate of deposit is opened. 6Home equity lines of credit and home mortgages are not

included. Investment and insurance products are not a deposit, not FDIC insured, not guaranteed by a bank, may lose value and are not insured by any federal government agency. Securities offered through LPL Financial, LLC. MFB-0915-7K

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