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Tailored Checking for Diverse NeedsWe understand that everyone’s nancial journey is unique, which is why we offer a diverse range of personal checking accounts designed to meet your needs. Our checking options provide the exibility and features to support your nancial well-being. Experience the difference of banking with a community-focused institution that prioritizes your success and empowers your growth.

At M&F Bank, our suite of checking accounts is designed to meet the diverse needs of our customers, from everyday banking to more specialized nancial management. Whether you’re looking for a straightforward, no-frills account with no monthly fees, an interest-bearing option to help your money grow, or a premium account with added benets and features, we have a solution tailored for you. No matter what checking account you choose, all M&F Bank customers can enjoy: Free access to 44,000 ATMs nationwide1 24 hour account information with DIRECT ACCESS2 Free VISA® Debit Card featuring uChoose Rewards® Free mobile and online banking3 Unlimited check writing privileges / Point of Sale transactions per cycleM&F Bank Checking Accounts

DASH checking was designed to meet the banking needs of your busy lifestyle. Enjoy the convenience of digital banking and earn interest without maintenance fees.Features Open with $50 depositBenets Earn up to 3.00% APY on balances up to $10,000 with qualifying activities* No monthly maintenance feesQualifying Activities Conduct a minimum of 15 debit card transactions that total at least $350 per statement cycle (transactions must post and clear during the statement cycle) Login at least once to online/mobile banking per statement cycle Receive an eStatement Complete at least $500 in Direct Deposits per statement cycleDASH Checking*3.00% Annual Percentage Yield (“APY”) on balances up to $10,000. An interest rate of 0.25% will be paid only for that portion of your daily balance that is greater than $10,000. The annual percentage yield for this tier will range from 0.25% to 0.26% depending upon the balance in the account. 0.15% APY will be paid on the entire balance if qualiers are not met. APY is accurate as of February 1, 2025. Fees may reduce earnings on the account. Rate may change after the account is opened.

Convenience meets great benets and the exibility to manage your money in the way that works best for you.Features Open with $50 depositBenets Cellular Telephone Protection4 ID Protect®5 Travel & Leisure Discount Membership6 Check protection available to cover accidental overdrafts7 Debit card featuring uChoose Rewards® Fees Monthly Maintenance Fee: $7 with eStatements / $9 with paper statement $750 minimum daily balance to waive maintenance feeAdvantage Plus Checking

For those on their rst steps to nancial empowerment.Features Open with $100 deposit $1,000 minimum balance to earn interestBenets Check protection available to cover accidental overdrafts7 Three no-fee cashier’s checks per statement cycle Free notary service Debit card featuring uChoose rewards®Fees Monthly Maintenance Fee: $7 with eStatements / $9 with paper statement $2,000 minimum daily balance to waive maintenance feeInterest Checking

Take your banking to the next level with competitive interest rates and exclusive benets.Features $100 minimum to open account $1,000 minimum balance to earn interestBenets Check protection available to cover accidental overdrafts Preferred rates on consumer loans auto-drafted from an M&F Bank account8 Three no-fee cashier’s checks per statement cycle Free notary service $30 annual discount on safe deposit rental of largest box*Fees $2,500 minimum daily balance to waive maintenance fee Monthly Maintenance Fee — $13 with eStatements / $15 with paper statement*Subject to availability, annual rent must be on auto draft.Prestige Checking

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 | Mobile Banking | SBA Financing | Business BankingPersonal Banking | Wealth Management9 | Online Banking | Zelle® ¹Visit mfbonline.com/atm for details. ²Unlimited free automatic telephone access. ³Ask your M&F Bank representative about enrollment and systems requirements. 4Special Insurance Program Notes: The descriptions herein are summaries only. They do not include all terms, conditions and exclusions of the policies described. Please refer to the actual policies for complete details of coverage and exclusions. Insurance is offered through the company named on the certicate of insurance and is not offered by or afliated with LPL Financial. Insurance Products are not insured by the FDIC or any Federal Government Agency; not a deposit of or guaranteed by the bank or any bank afliate. 5ID Protect service is a personal identity theft protection service. 6Registration/enrollment required. 7Credit line determined, subject to credit approval. 8Home equity lines of credit and home mortgages are not included. 9Insurance 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