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Checking

Perks Checking

When all the little things add up, it makes for big rewards. That’s why every Perks Checking Account comes with the everyday conveniences you expect plus extra money-saving benefits and personal protections. Plus, with Bank On certification, it's good for your wallet. Activate your perks and learn more about the benefits of Perks Checking here.

Maspeth Federal Savings Perks Checking - BankOn - National Account Standards  2021-2022 Approved

  • Local discounts
  • National retailer deals
  • Fuel rewards
  • Cell phone protection
  • Identity theft protection
  • Roadside assistance 
  • Free Online & Mobile Banking1
  • Free Online Bill Pay
  • Free ATM or Debit MasterCard® equipped with contactless technology
  • Access to over 80,000 surcharge-free ATMs within the Allpoint2 and MoneyPass2 networks and unlimited use of Maspeth Federal ATMs
  • Free e-Statements
  • No minimum balance3
  • No monthly service fees
  • Unlimited check writing, free generic specialty4 checks and cancelled check storage
  • Send and receive money in minutes with Zelle®5
  • Overdraft protection options
  • Mobile payment enabled
  • Manage your finances, while protecting your ATM/Debit card with Card Valet.

Important Disclosures

1 Must possess a valid social security number to use Mobile Banking or to view your account. Standard charges from your cell phone provider may apply for text messaging or Mobile Web access.

2 While we don’t charge a fee for use at another bank’s ATM, note that the other bank might charge a fee. International fees may apply.

3 A $1.00 deposit is required to open account, plus check printing charges if any.

4 Other designs are available for purchase.

5Transactions typically occur in minutes when the recipient’s email address or U.S. mobile number is already enrolled with Zelle. Must have a bank account in the U.S. to use Zelle.

MasterCard® is a registered trademark.

MFS Perks Logo

Personal Mobile
Download on the App Store  Get it on Google Play

Personal Tablet
Download on the App Store

Interest Checking

Expect more from your everyday checking account and get it. Free interest checking puts your balance to work and gives you the extra benefits you deserve.

  • Free Online & Mobile Banking1
  • Free Online Bill Pay
  • Free ATM or Debit MasterCard® equip with contactless technology
  • Access to over 80,000 surcharge-free ATMs within the Allpoint2 and MoneyPass2 networks and unlimited use of Maspeth Federal ATMs
  • Free generic specialty3 checks and cancelled check storage
  • Unlimited check writing
  • Free e-Statements
  • Free access to MX Money Management tools
  • Send and receive money in minutes with Zelle®4
  • Competitive interest compounded daily and credited monthly
  • No minimum balance5 or monthly service fees
  • 24/7 FraudWatch® Monitoring
  • Overdraft protection option
  • Mobile wallet enabled
  • Manage your finances, while protecting your ATM/Debit card with Card Valet

Important Disclosures

1 Must possess a valid social security number to use Mobile Banking or to view your account. Standard charges from your cell phone provider may apply for text messaging or Mobile Web access.

2 While we don’t charge a fee for use at another bank’s ATM, note that the other bank might charge a fee. International fees may apply.

3Other designs are available for purchase.

4Transactions typically occur in minutes when the recipient’s email address or U.S. mobile number is already enrolled with Zelle. Must have a bank account in the U.S. to use Zelle.

5A $1.00 deposit is required to open account, plus check printing charges if any.

MasterCard® is a registered trademark.

Effective Date: Tuesday, October 4, 2022

Checking Rates

Minimum BalanceInterest RateAPY (Annual Percentage Yield)
NONE0.44%0.45%

The minimum balance shown is required to achieve the stated Annual Percentage Yield. All above Annual Percentage Yields are accurate as of today's date. Additional fees for check printing may apply. Rates are subject to change without notice. Above rates on non-term accounts may change after the account is opened. Applicable fees could reduce earnings on account. Please ask one of our customer service representatives for further information regarding the fees (if any), terms and conditions for the above-mentioned accounts. Disclosure statements are available at all branch locations. FDIC Insured.

Debit MasterCard

Contactless chip technology for security and convenience. Access to surcharge-free ATMs worldwide. Web-enabled travel alerts. The benefits of debit cards that add to your life.

*While we don't charge a fee for use at another bank's ATM, note that the other bank might charge you a fee. International fees may apply.

Already have a Maspeth Federal checking account and want a debit card? Stop by any of our branches to get started.

Report suspicious activity, lost, or stolen Debit Card

Overdraft Protection

Oops! We’ve all been there. Avoid costly fees, embarrassing delays and the hassle of returned checks with two convenient options. Need more details? Email, call or stop by a branch.

Apply to pair your checking account with our protection program, and we’ll make sure you’re covered for up to $2,500 in case of an accidental overdraft.

If a check comes in for payment and your balance can’t quite cover it, we’ll transfer the amount needed to cover it from your Statement Savings Account into your checking account. No application or approvals required. Just stop by your closest branch to set it up.

*Application and approval required. There is a $10.00 application fee. Overdraft limits will vary based on individual application. Repayment terms and conditions apply.