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Message Digital Banking for Business

Business Online Banking24/7 Account Access Enjoy secure, round-the-clock access to your M&F Bank accounts with these convenient features: Check balances and transaction history Transfer funds between M&F Bank accounts instantly View checks and verify transactions Download data to Quicken,® QuickBooks,® Microsoft® Money, and more Set up custom email alerts Initiate and monitor stop paymentsFunds TransferWith M&F Bank Funds Transfer, you can instantly transfer funds between your M&F Bank accounts anytime — day or night.

Bill Pay This option allows you to schedule one-time payments, set up recurring payments for consistent expenses, or adjust variable payments as needed—all electronically. The system provides full control over your payee list, allowing you to easily add, edit, or delete recipients. You can also access a detailed payment history, ensuring transparency and easy record-keeping. Multi-User Access Our Multi-User Access feature offers enhanced exibility and security for businesses with multiple team members handling nancial tasks. You can assign specic roles and access levels to each user, ensuring that only authorized personnel can perform certain actions.

Payments & Cash Management ACH Origination This external funds transfer service provides easy, convenient transfer options including: Direct Deposit of Payroll Deposit your employees paychecks directly into their checking or savings accounts. Direct deposit ensures that your employees receive timely deposit of their paychecks and lowers your company’s processing costs. Direct Payment Reduces accounts payable paperwork and costs by allowing you to make automated recurring payments. Returns and Reversals If entries are received or processed in error, your company can originate a return or reversal.

Wire Transfer A safe, fast, and convenient method to transfer money anywhere in the USA to and from your account. Wire transfers can be initiated online or at a branch ofce, and usually can be sent and received in the same business day.

Positive Pay Positive Pay is an automated fraud detection tool designed to identify fraudulent checks and presenters. This service will match the account number, check number, and dollar amount of each check presented for payment against a list of checks previously authorized and issued by your company. Remote Deposit CaptureThis service allows you to conveniently deposit checks without visiting the bank. You can scan your checks to create a digital deposit which is then securely transmitted to M&F Bank. Mobile Banking for BusinessOur business banking app provides the ease needed to manage your nances on the go. All you need is your online banking username and password, and a mobile device that can download the app.

Scan the code below or visit mfbonline.comto learn more about how you canempower your nancial growth.Raleigh | Durham | Greensboro | Winston-Salem | CharlotteVisit us online or at a branch near you!Fee-free Nationwide ATM Access1 | Wealth Management3 | Mobile Banking SBA Financing | Business Banking | Online Banking | Zelle®1Visit mfbonline.com/atm for details. 2Unlimited free automatic telephone access. 3Insurance products offered through LPL Financial or its licensed afliates. The investment products sold through LPL Financial are not insured M&F Bank deposits and are not FDIC insured. These products are not obligations of M&F Bank and are not endorsed, recommended or guaranteed by M&F Bank or any government agency. The value of the investment may uctuate, the return on the investment is not guaranteed, and loss of principal is possible. Securities offered through LPL Financial. Member FINRA/SIPC. Investment advice offered through Independent Advisor Alliance, a registered investment advisor. Independent Advisor Alliance and M&F Bank are separate entities from LPL Financial.MFB/04.2025