Choose one of three checking accounts.
Perks Checking
Want to go one better than the discounts and rewards everyone else gets? Choose Perks Checking. It also gives you exceptional money management tools, plus special features to help protect your assets.
Open an account and enjoy:
- Discounts at local spots around NYC and the surrounding area
- Rewards on gas
- Cellphone protection
- Identity theft protection
- Free online bill pay
- Send & receive money in minutes1 with Zelle®
- Roadside assistance
Get offers from brands you love:
Interest Checking
Want to earn interest on your balance without the fees other banks charge? You want our Interest Checking account.
Open an account and enjoy:
- Earning interest
- Free access to MX Money Management tools
- 24/7 FraudWatch®; Monitoring
- Overdraft protection options
- Free online bill pay
- Send & receive money in minutes1 with Zelle®
Current Checking Rates
Effective Date: Current Date
0.50% APY*
Minimum Balance - None
Interest Rate - 0.49%
* The minimum balance shown is required to achieve the stated Annual Percentage Yield. All above Annual Percentage Yields are accurate as of 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.
Teen Checking
Spend smart and often with a Teen Checking account2. From birthday checks to paychecks, this account gives teens a safe place to save for the future, plus convenient features like mobile banking and direct deposit. It’s the ultimate way for parents to help teens spend and manage their money and get their first taste of freedom. And with no fees, it's fit for any teen just starting to learn about managing money. Plus, Teen Checking will carry you all the way to your 18th birthday and then will automatically convert to a Perks Checking account.3
Open an account and enjoy:
- For teens 13 - 17
- No minimum balance3 or monthly maintenance fees
- Access to online and mobile banking4 with parental monitoring
- A debit card and so much more
Fee-Free and forward thinking.
All Maspeth Federal Savings checking accounts feature:
- No minimum balance2 or monthly service fees
- Online & Mobile Banking3 for 24/7 access to your funds
- Card Valet, which lets you set card limits, alerts and lock your card
- Send & receive money in minutes4 with Zelle®
- Free access to MX Money Management tools
- Identity theft protection
- 24/7 FraudWatch® Monitoring
- Overdraft protection options
- Add your debit card to Apple Pay®, Google Pay™, and Samsung Pay®
- Access to 95,000 surcharge-free ATMs5 at popular stores like 7-Eleven, Walgreens, CVS, Rite Aid, and Target
1 Transactions 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.
2 Account 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.
3 $1.00 deposit is required to open an account, plus check printing charges if any.
4 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.
5 While we don’t charge a fee to use another bank’s ATM, other banks might charge a fee. International fees may apply.
