Checking

Looking for the best checking account in Montgomery County, Maryland? Look at Mid-Atlantic Federal Credit Union (MAFCU). Anyone who's part of this community can bank at MAFCU, where you'll find a great choice of checking accounts with fewer fees and greater convenience.

  • Free Checking - all the conveniences you want - without the fees you don't. With no minimum balance requirement, or monthly maintenance fees, members can enjoy the benefits of this no-cost account with an opening deposit of just $25.
  • Premier Checking - may be your best choice if you tend to keep higher checking balances. You'll earn higher dividends and premium services such as no-fee official checks and free external account transfers.
  • E-Checking - the perfect account if you exclusively bank online, via smartphone or ATM. You'll save time and money with no monthly maintenance fees, free external account transfers and E-statements, which are required with this account.

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  Premier    Checking E-Checking Free    Checking Simple Checking
Visa Debit Card  Included  Included  Included included with some restrictions
Online Services  Included  Included  Included included with some restrictions
Online Bill Pay  Included   Included  Included included
Mobile Deposit  Included  Included  Included included
In Branch Transactions  Included  $2.00 each  Included included
External Transfers  Included  Included  $5.00 each Not Available
Dividends  0.050%  0.050%  Not Available Not Available
Auto Loan Rate Discount  Requires Automatic Payment  0.250% rate discount  0.250% rate discount  0.250% rate discount 0.250% rate discount
Personal Check Orders  One free box of Premier checks per year  Free first order of 40 E-Checking checks  Free first order of 40 basic checks Not Available
Statements  Paper or electronic  Electronic only  Paper or electronic Paper or electronic
Monthly Maintenance Fee  $15.00 if average daily balance below $5,000.00  None  None $10.00

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  • Free Checking

    Free Checking offers all the conveniences you want - without the fees you don't. With no minimum balance requirement, or monthly maintenance fees, members can enjoy the benefits of this no-cost account with an opening deposit of just $25.

    • No minimum balance requirement or monthly maintenance fees.
    • Free MAFCU Visa® Debit Card.
    • Free Online Banking with Bill Pay.
    • 0.250% Auto Loan Discount with Automatic Loan Payments.
    • Access to Over 75,000 Free ATMs Nationwide.
    • Free Mobile Check Deposit within the MAFCU Mobile App
    • Free first order of 40 basic checks *
    • Deposit to open $25
    • You will earn one Scorecard Reward point per five dollars spent using your Visa® Debit Card

    * Normal charges will apply to check re-orders.

  • Premier Checking

    Premier Checking is your best choice for higher checking account balances. You'll earn greater dividends on your funds as well as premium services such as no-fee official checks.

    MAFCU Premier Checking members enjoy the following benefits:

    • 0.030%1 APY Dividend on Premier Checking Account
    • Free MAFCU Visa® Debit Card.
    • Free Online Banking with Bill Pay.
    • Free Mobile Check Deposit within the MAFCU Mobile App.
    • Free external account transfers.
    • Access to Over 75,000 Free ATMs Nationwide.
    • 0.250% Auto Loan Discount with Automatic Loan Payments.
    • One free box of Premier checks per year. *
    • No Fee on Official Checks.
    • Deposit to open $500
    • You will earn one Scorecard Reward point per five dollars spent using your Visa® Debit Card
    • Average daily balance of $5,000 to avoid $15.00 monthly maintenance fee.

    1. Average daily balance of $5,000 required.

    * Normal charges will apply to additional orders per year.

    * APY = Annual Percentage Yield

  • E-Checking

    E-Checking could be perfect if you exclusively bank online, via smartphone or ATM.  You'll save time and money with no monthly maintenance fees and E-statements, which are required with this account.

     

    • 0.030% APY Dividend on E-Checking Account
    • No minimum balance requirement, or monthly maintenance fees.1
    • Free MAFCU Visa® Debit Card.
    • Free Online Banking with Bill Pay. 
    • Free Mobile Check Deposit within the MAFCU Mobile App.
    • Free external account transfers.
    • Access to Over 75,000 Free ATMs Nationwide.
    • 0.250% Auto Loan Discount with Automatic Loan Payments.
    • Free first order of 40 e-checking checks.2
    • Free E-Statements.3
    • Deposit to open $50
    • You will earn one Scorecard Reward point per five dollars spent using your Visa® Debit Card

    1 A $2 fee will be assessed for in-branch transactions.

    2 Normal charges will apply to check re-orders.

    3 E-Statements required for this account. $5 monthly fee will be assessed for paper statements.

    * APY = Annual Percentage Yield

  • Simple Checking

    Simple Checking allows you to rebuild your account banking history with access to most of the features a regular checking account offers. With no minimum balance requirement and a low $10 monthly maintenance fee, you can enjoy the benefits of this low-cost account with an opening deposit of just $25.

    • No minimum balance requirement
    • No non-sufficient funds or overdraft fees*
    • Free debit card for purchases **& ATM transactions
    • Free access to over 75,000 ATMs nationwide
    • Free online/mobile services with bill pay, card swap and biller direct
    • Free mobile check deposit
    • Free mobile apps: MAFCU mobile & MAFCU Card
    • Free online/mobile account aggregator
    • Free online/mobile credit monitoring
    • Optional secured line of credit available to eligible applicants

     

    * If funds are not available payment will be returned unpaid. Account holder still responsible for any returned payment fees from Payee

    ** Car Rentals or Hotel/Cruise Reservations debit card authorizations not allowed.

The Regular Share Savings or Student Plus Savings accounts are required to join Mid-Atlantic Federal Credit Union and open the door to our suite of products. A $5.00 minimum balance is required to open these accounts.