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Checking

Limited Time CD Offer with Checking

Receive 5.00% Annual Percentage Yield on a 7-month CD when you have $2,500 in a checking account. Keep your money safe with us in an FDIC-insured checking account and watch your money grow with a competitive CD rate.

Effective Date: Sunday, July 14, 2024

Limited Time Offer

Checking Minimum BalanceCD Interest RateCD APY (Annual Percentage Yield)
$2,5004.81%5.00%

Promotional Annual Percentage Yield is accurate as of July 14, 2024. Minimum Checking Account Balance of $2,500.00 is required to obtain the advertised APY on the CD account. If Checking Account Balance falls below $2,500.00 at any point during the term, the 5.00% APY and the rate will revert to 1%. After the promotional 7 month term ends, the Certificate of Deposit account will roll into a 6 month Certificate of Deposit and will be subject to the Interest rate as of that date. Early withdrawal penalties apply. Offer may be withdrawn or modified without prior notice.

Opening an account with us is easy. Just stop by a branch or contact us.

Perks Checking

More discounts and more rewards when you choose Perks Checking. Plus, great money management tools and features to help keep you protected.

  • Deals at national retailers like:
    Logos of Adidas, Foot Locker, Target, and Betterhelp.
  • Discounts at local spots around NYC and surrounding area
  • Rewards on gas
  • Cell phone protection and roadside assistance
  • Travel deals on hotels, flights, theme parks, and rental cars
  • Identity theft protection
  • Up to 50% savings on prescription drugs at participating pharmacies
  • Buyer’s Protection and Extended Warranty1
  • Discounts on frames, lenses, eye exams, contact lenses, hearing aids, and LASIK with participating providers

Features:

  • No minimum balance2 requirement or monthly service fees
  • Free Online Bill Pay
  • 24/7 Online & Mobile Banking3 - access your money whenever you need it
  • Surcharge-free access to ATMs at participating 7-Elevens, Walgreens, CVS, Target, Rite Aid and more4. Find an ATM
  • Send & receive money in minutes with Zelle®5
  • Add your debit card to Apple Pay®, Google Pay, and Samsung Pay®
  • Free ATM or Debit MasterCard® equipped with contactless technology
  • Overdraft protection options
  • Set card limits, alerts and lock your card through Card Valet

1Will replace, repair, or reimburse you up to the original purchase price, less any shipping and handling charges, for purchases of new items up to a maximum of $2,500 for the first 180 days after purchase of the protected product. It also doubles the product warranty period up to one year.

2A $1.00 deposit is required to open account, plus check printing charges if any.

3Must 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.

4While 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.

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. Zelle® and the Zelle® related marks are wholly owned by Early Warning Services, LLC and are used herein under license.

MasterCard® is a registered trademark.

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Interest Checking

With free interest checking, you earn interest on your account balance, without the fees other banks charge. Team that up with other great benefits, and you’ve got a checking account that earns more.

  • No minimum balance1 or monthly service fees
  • Earns interest

Plus, money management tools and benefits that matter:

  • Free Online Bill Pay
  • 24/7 Online & Mobile Banking2- access your money whenever you need it
  • Surcharge-free access to participating ATMs at 7-Eleven, Walgreens, CVS, Target, Rite Aid and more3. Find an ATM
  • Send & receive money in minutes with Zelle®4
  • Add your debit card to Apple Pay®, Google Pay, and Samsung Pay®
  • Free ATM or Debit MasterCard® equipped with contactless technology
  • Overdraft protection options
  • Set card limits, alerts and lock your card through Card Valet
  • Free e-Statements
  • Free access to MX Money Management tools
  • 24/7 FraudWatch® Monitoring

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

2Must 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.

3While 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.

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.

MasterCard® is a registered trademark.

Effective Date: Sunday, July 14, 2024

Checking Rates

Minimum BalanceInterest RateAPY (Annual Percentage Yield)
NONE0.49%0.50%

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.

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Teen Checking

Our Teen Checking Account is perfect for smart spending and safe storing of your money. From birthday checks to paychecks, this account features convenient transfers, mobile and direct deposit, and so much more. This account is the ultimate way for parents to help teens manage their money and get their first taste of freedom.

  • For teens age 13-171
  • No minimum balance2 or monthly maintenance fees
  • Access to Online and Mobile Banking3 with parental monitoring
  • A debit card
  • Convenient transfers - parents can quickly and easily transfer funds for chores, gas money, etc.
  • Mobile deposit and direct deposit - got your first job? Birthday check? Depositing funds is easy.
  • MX Money Management tools

1Account is joint between parent and child. When the child turns 18, the Teen Checking account will convert to a Perks Checking Account. The parents/guardians from the Teen Checking account will remain as a co-owner of the Perks Checking account unless removed. In order to remove the co-owner, both account owners will be required to visit a branch to change account ownership.

2$1.00 deposit is required to open account, plus check printing charges if any.

3Must 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.

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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.

Report suspicious activity, lost, or stolen Debit Card

*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.

 

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 $1,000 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.