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Checking

Basic Checking – Now Perks Checking

Basic Checking has been upgraded to Perks Checking! This account includes money-saving benefits & added features for your checking account along with all the convenient features you know & love. Activate your perks and learn more about all the available benefits here.

  • No minimum balance1
  • No monthly service fees
  • Access to over 80,000 surcharge-free ATMs within the Allpoint2 and MoneyPass2 networks and unlimited use of Maspeth Federal ATMs
  • Online & Mobile Banking3
  • Bill pay
  • e-Statements
  • ATM or Debit MasterCard®
  • Send & receive money with Zelle® through Online & Mobile Banking
  • Overdraft protection options
  • Mobile payment enabled
  • Manage your finances, while protecting your ATM/Debit card with card controls
  • Unlimited check writing, generic specialty4 checks and cancelled check storage

     NEW FEATURES

  • Local discounts
  • National retailer deals
  • Fuel rewards
  • Cell phone protection
  • Identity theft protection
  • Roadside assistance 
  • And more!

Important Disclosures

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

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 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.

4 Other designs are available for purchase.

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

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:

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: Saturday, April 17, 2021

Savings & Checking Rates

Minimum BalanceInterest RateAPY (Annual Percentage Yield)
NONE0.39%0.40%

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.

Debit MasterCard

Get quick and convenient access to your cash at ATMs or wherever MasterCard® is accepted.

*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.

Report suspicious activity, lost, or stolen Debit Card

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.