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Interest Checking
Want more out of your day-to-day checking account? This free account puts your balance to work and gives you access to extra benefits.
- Competitive interest compounded daily and credited monthly
- No minimum balance* or monthly service fees
- Unlimited check writing
- Access to over 80,000 surcharge-free ATMs within the Allpoint** and MoneyPass** networks and unlimited use of Maspeth Federal ATMs
- 24/7 FraudWatch® Monitoring
- Overdraft protection options
- Mobile payment enabled
Additional FREE features and benefits include:
- ATM or Debit MasterCard®
- Generic specialty*** checks and cancelled check storage
- Online & Mobile Banking****
- Bill pay
- e-statements
- Access to MX Money Management tools
Important Disclosures
*A $1.00 deposit is required to open account, plus check printing charges if any.
**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.
***Other designs are available for purchase.
****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.
MasterCard® is a registered trademark.
Effective Date: Sunday, December 15, 2019
| Minimum Balance | Interest Rate | APY (Annual Percentage Yield) |
|---|---|---|
| NONE | 0.44% | 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. A minimum deposit of $1.00 is required to open Interest/Basic Checking accounts. 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.
Basic Checking
Do away with the hassle and bring on the perks. Our Basic Checking account is designed for individuals with simple banking needs who want to steer clear of monthly service fees and minimum balance requirements.
- No minimum balance* or monthly service fees
- Unlimited check writing
- Access to over 80,000 surcharge-free ATMs within the Allpoint** and MoneyPass** networks and unlimited use of Maspeth Federal ATMs
- 24/7 FraudWatch® Monitoring
- Overdraft protection options
- Mobile payment enabled
Additional FREE features and benefits include:
- ATM or Debit MasterCard®
- Generic specialty*** checks and cancelled check storage
- Online & Mobile Banking****
- Bill pay
- e-statements
- Access to MX Money Management tools
Important Disclosures
*A $1.00 deposit is required to open account, plus check printing charges if any.
** 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.
***Other designs are available for purchase
****Must posses 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.
MasterCard® is a registered trademark.
Debit MasterCard
Get quick and convenient access to your cash at ATMs or wherever MasterCard® is accepted.
- Our debit cards are FREE and come with EMV chip technology for added security
- Access to over 80,000 surcharge-free ATMs within the Allpoint* and MoneyPass* networks and unlimited use of Maspeth Federal ATMs
- Set Travel Notifications
- Download the My Mobile Money app to set custom card alerts and more
- Mobile payment compatible
*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.
If you already have an existing checking account and would like a debit card, simply stop into any of our branches to get started.
Overdraft Protection
Avoid costly fees, embarrassing delays and the hassle of returned checks with two convenient protection options.
When you apply to pair your checking account with our protection program, you will be covered for up to $2,500 in the event of an accidental overdraft.
With this program, if a check comes in for payment and there is an insufficient balance in your checking account, the amount needed to cover the check will be transferred from your Statement Savings Account into your checking account to cover the check. No application or approvals required, simply visit your closest branch to set this 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.