Second Chance Checking at M&F Bank – Opportunity Checking in Alabama

Central State BankFounded in 1890, M&F Bank serves customers including individuals, businesses, governments, churches and organizations in states of Mississippi, Tennessee and Alabama.

More About M&F Bank’s Opportunity Checking

M&F Bank provides a new chance for those who’ve been previously unable to open a checking account. If the clients keep their accounts in good standing and don’t have more than 2 Non-sufficient Funds (NSFs) in a year, the Opportunity Checking account will automatically transform into Free Checking (free of monthly service fee). Then they will receive a letter explaining their new accounts. Note that it is a type of special account called second chance checking.

  • An FDIC insured checking account
  • $100 for Minimum opening deposit
  • $9.00 for maintenance charge each month
  • No requirement for minimum balance
  • Check writing and debit card transactions are unlimited
  • A free ATM or Debit Card
  • Free Online Banking


Tel: 800-379-5465


106 East College Street
Columbiana, AL 35051
16623 Hwy 280
Chelsea, AL 35043
107 Inverness Corners
Birmingham, AL 35242
3513 Pelham Pkwy
Pelham, AL 35124
308 East Sunflower Road
Cleveland, MS 38732
381 North West Depot Street
Durant, MS 39063
15977 North Jackson Street
Durant, MS 39063
1901 University Avenue
Oxford , MS 38655

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