Checking Accounts

Free Checking
Interest Checking
Platinum Checking
Switching Your Checking

All checking accounts offer:

• Free ATM transactions at MAFCU-owned machines, a limited number of foreign* ATM transactions and the ability to make surcharge-free withdrawals at Allpoint, Alliance One, CO-OP and CU24/CU Here ATM networks. You can also make deposits at CU24/CU Here ATMs.
• Free Visa Check Card which functions as an ATM card and a check, and is accepted at millions of locations worldwide. You now can also earn ScoreCard Rewards Points on all signature-based purchases at the rate of 1 point for every $2! Just click on the link above to view your point balance or redeem for valuable awards.
• Deposit insurance up to $500,000; $250,000 through NCUA and $250,000 through Excess Share Insurance, Inc.
• Convenient 24-hour access to account information through our ATMs, Online Banking, and MATT - our Member Access Telephone Teller.

WOW Checking

Earn a higher rate on your existing checking account, just by doing more business with the credit union! Members that meet our "relationship maximizer" criteria will now earn higher dividend rates on their checking balances.

Free Checking

With Free Checking, you get simple no-cost checking with no minimum balance requirement or monthly maintenance fees.

• Free Bill Payment Service
• Two free foreign* ATM transactions per month (does not include Allpoint Network as foreign)
• Privilege Pay of up to $750 for qualified members. In order to have ATM transactions and every day debit card transactions covered by this service, you must opt-in.
• No minimum balance required.
• No fall below fee.
• First 50 checks free**

*Foreign ATMS are those machines not owned by MAFCU
**Normal charges will apply to check re-orders

Interest Checking

If you are looking to earn interest on your checking account balance, this may be the account for you.

• Earn competitive dividends.
• Free Bill Payment Service
• Unlimited free foreign* ATM transactions with direct deposit (10 free without direct deposit).
• One box of free checks per year (your choice).
• No fee for travelers cheques, money orders, or official checks.
• Privilege Pay of up to $700 for qualified members. This service now includes signature-based debit card transactions - helping you avoid any embarrassing declines.
• $5,000 minimum balance.
• $10 fall below fee (no fee with direct deposit).

Open any of our checking accounts online by logging into Online Banking and choosing Account Request Form, or contact our Member Service Center at 301-944-1800. 

*Foreign ATMs are those machines not owned by MAFCU.

Platinum Checking

This checking product features:

• No fall-below or monthly maintenance fees.
• The highest checking dividends - check out our current Rates.
• Free Bill Payment Service
• Unlimited free foreign*** ATM transactions.
• Unlimited ATM surcharge reimbursements per month.
• One box of free checks per year (your choice).
• No fee for travelers cheques, money orders, or official checks.
• Privilege Pay of up to $700 for qualified members. This service now includes signature-based debit card transactions - helping you avoid any embarrassing declines.
• $15,000 minimum opening balance.

*Dividends will be compounded and paid monthly. If your average daily balance falls below $15,000, then no dividends will be earned for that month.
*** Foreign ATMS are those not owned by Mid-Atlantic FCU. Proof of withdrawal required for surcharge reimbursements.

Special Benefits for Members 50 and Better

The following is FREE for our members 50 and over:

• First box of checks
• Money orders, travelers checks and official checks.
• Plus, we offer a $5 deposit for a newborn grandchild who joins MAFCU.

Switching Your Checking Has Never Been Easier!

We have developed a simple system to help you make a smooth and easy transition to our services. This online kit includes everything you need for a quick change. Please feel free to stop by one of our branches, e-mail us at mafcu@mafcu.org or contact our Member Service Center by phone if you need assistance. Our friendly staff will walk you through the simple steps of changing your accounts to Mid-Atlantic Federal Credit Union!

Switch Your Checking Account Today!

Open up your new accounts.

Your first step is to open your new MAFCU Savings Account. Once this account is in place, you have access to all of our benefits and other accounts, including no fee checking with direct deposit and low-cost loans*.

Close down your old accounts.

Be sure to leave your old accounts active long enough to allow outstanding checks and automatic withdrawals to clear. Leave enough money in place to cover these transactions. This process may take several weeks. Once you're sure that the old accounts are inactive, you can ask your previous institution to send you the balance from that account. Then you can destroy your old checks, ATM/debit cards and deposit slips.

Switch over your automatic transactions.

Access the "Switch Kit' forms to help you contact the companies and financial institutions which handle your automatic deposits and withdrawals. We'll be happy to help you with any of these forms. Use this checklist to keep track of people you may need to contact:

Direct Deposit:

• Your employer's human resources department
• The company handling your retirement or pensions payments
• Social Security Administration

Anyone who makes automatic withdrawals from your account:

• Mortgage company
• Homeowner's insurance
• Auto insurance
• Life insurance
• Other

Anyone who makes automatic charges to your old debit or credit cards:

• Utility companies
• Telephone company
• Cable company
• Other

Make the change.

We've provided some forms to help make your change-over easier. Use these convenient forms to close your accounts and change your Direct Deposit* and automatic withdrawals. If you need help completing any of them, just stop by a branch or contact our Member Service Center. MAFCU's Routing Number is 255077477. Once the forms are completed, simply mail them to P.O. Box 2270 Germantown, MD 20875 or fax them to 301-944-1796.

*All loans subject to an evaluation of each applicant's credit.