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.
| 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.