Basic Fit Checking
Basic Fit Checking Overview
$100 Opening Deposit
$2.95 Monthly Service Charge
You can eliminate this monthly fee by enrolling in direct deposit or eStatements.
Mutual Federal ATM Fee Reimbursement
Complete 20 debit card transactions and receive a refund for any Mutual Federal foreign ATM charge during the statement cycle. Foreign ATM surcharge fees will still apply.
Free Consultation with an Investment Officer
Sit down with our investment expert to talk about saving for retirement or making the most of what you have.
Modern Fit Checking
Modern Fit Checking Overview
$100 Opening Deposit
$6.95 Monthly Service Charge
This service fee can be reduced by $2 for each of the following qualifiers. Eliminate the charge completely by completing any four during the statement cycle.
- Receive a monthly direct deposit OR sign up for eStatements
- Maintain a $1,000 minimum daily balance OR $10,000 deposit relationship
- Make 20 signature debit card transactions
- Set up an automatic monthly payment from your Modern Fit checking account to your Mutual Federal mortgage or Home Equity Line of Credit (HELOC)
- Do not write any checks
- Pay a bill using our Online Banking Bill Pay service
Security and Savings Package
IDProtect®1 Package includes:
3-in-1 Credit File Monitoring. IDProtect® will monitor your Equifax, Experian and TransUnion credit files daily, and automatically alert you if key changes occur. (Registration and activation required.)
3-in-1 Credit Report. Request a free updated credit report every 90 days or upon receipt of alert. Each new report includes an updated single-bureau credit score. (Registration and activation required.)
Total Identity Monitoring. Continuous monitoring of over 1,000 databases. (Registration and activation required.)
Identity Fraud Expense Reimbursement Coverage2. Receive up to $10,000 to help pay expenses, clear your name and repair damaged credit, should you become the victim of identity fraud.
Comprehensive Identity Theft Resolution Services. Should you suffer identity theft, your very own fraud resolution specialist will help you every step of the way until your credit and identity are completely restored.
Debit and Credit Card Registration. Register your credit, debit and ATM cards and have peace of mind knowing you can call one toll-free number to cancel and request replacement cards — and your liability is limited — should your cards become lost or stolen. (Registration and activation required.)
Protection from unexpected losses:
Accidental Death & Dismemberment Insurance3. Receive up to $10,000 of 24-hour Accidental Death & Dismemberment Insurance. (Coverage divides equally on joint accounts and is reduced by 50% at age 70.)
Cellular Telephone Protection4. Receive up to $300 of replacement or repair costs if your cell phone is stolen or damaged, in the U.S. and abroad.
Debit Advantage™. Buyer’s Protection covers items for 90 days from the date of purchase against accidental breakage, fire, loss, or theft. Extended warranty extends the U.S. manufacturer’s original written warranty up to one full year on most new retail purchases if the warranty is less than five years.
Discounts
Travel and Entertainment Discount Membership. Money-saving discounts from thousands of local and national businesses. (Registration and activation required.)
Health Discount Savings. Enjoy savings on vision, prescriptions and dental services. (Registration and activation required. This is not insurance.)
Other Features Include
Earns Interest
Although the Modern Fit requires no minimum balance, Mutual Federal pays interest once your balance reaches $1,000. Visit our rates page for current interest rates.
Free Checks For Customers Age 50+
Two free orders of standard wallet checks for account holders age 50+ every 12 months.
Free Consultation with an Investment Officer
Sit down with our investment expert to talk about saving for retirement or making the most of what you have.
Special 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 certificate of insurance.
- IDProtect service is a personal identity theft protection service available to account owner(s) and their family. Family includes: Spouse, persons qualifying as domestic partner, and children under 25 years of age and parent(s) who are residents of the same household. IDProtect benefits are available to joint account holders. Benefits are not available to a “signer” or “beneficiary” of the account who is not an account owner. Service is not available to businesses and their employees, clubs and/or churches and their members, schools and their employees/students.
- Identity Theft Insurance underwritten by insurance company subsidiaries or affiliates of American International Group, Inc. (AIG). The description herein is a summary and intended for informational purposes only and does not include all terms, conditions and exclusions of the policies described. Please refer to the actual policies for terms, conditions, and exclusions of coverage. Coverage may not be available in all jurisdictions.
- Plateau Insurance Company of Crossville, TN, will be our Accidental Death & Dismemberment Insurance underwriter.
- Refer to Guide To Benefit for complete details of coverage.
Insurance product is not insured by FDIC or any Federal Government Agency; not a deposit of or guaranteed by the bank or any bank.
Classic Fit Checking
Classic Fit Checking Overview
$100 Opening Deposit
$8.95 Monthly Service Charge
Eliminate this monthly fee by maintaining a $5,000 minimum daily balance OR a $25,000 combined deposit relationship.
Tiered Interest Plan with Bonus Rates
Receive a bonus interest rate on your account balance when you complete 20 debit card transactions during your statement cycle.
Free Official Checks, Money Orders, and Stop-Payment Requests
Send verified funds with official checks or money orders, and stop checks from processing without hurting your wallet.
Free Overdraft Sweep Transfers
Enroll in Overdraft Sweep, choose which accounts to link, and we will automatically transfer your money to cover overdrafts at no cost to you.
Free Checks For Customers Age 50+
Two free orders of standard wallet checks for account holders age 50+ every 12 months.
4 non-First Bank ATM Fee Reimbursements
Receive a refund for four non-Mutual Federal foreign ATM charges during the statement cycle. Foreign ATM surcharge fees will still apply.
Free Consultation with an Investment Officer
Sit down with our investment expert to talk about saving for retirement or making the most of what you have.
Smart Fit Checking
Smart Fit Checking Overview
$25 Opening Deposit
You must be currently enrolled in school to open a Smart Fit checking account.
No Monthly Service Charge
There is no monthly maintenance fee for 60 months. After that, your account will be converted to a Basic Fit checking account.
First Bank ATM Fee Reimbursement
Complete 12 debit card transactions and receive a refund for any First Bank foreign ATM charge during the statement cycle. Foreign ATM surcharge fees will still apply.
