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
Visa Debit Card  Included  Included  Included
Online Services  Included  Included  Included
Online Bill Pay  Included   Included  Included
Mobile Deposit  Included  Included  Included
In Branch Transactions  Included  $2.00 each  Included
External Transfers  Included  Included  $5.00 each
Dividends  0.050%  0.050%  Not Available
Auto Loan Rate Discount  Requires Automatic Payment  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
Statements  Paper or electronic  Electronic only  Paper or electronic
Monthly Maintenance Fee  $15.00 if average daily balance below $5,000.00  None  None

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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.