Personal Checking Accounts
Checking accounts bundled with convenient services
Convenience is a necessity in today’s hectic world. We're here to help by offering checking accounts that meet your unique needs. Whether you're more interested in earning dividends on your checking account or the most basic account, we're here to help provide the right solution to your financial needs.Apply Now Help Me Choose Rates
Find the right checking account for you
A great start for your first taste of financial freedom.
Our most basic checking account with no monthly fee.
The perfect checking account for the tech-savvy person!
A traditional checking account that earns you money.
ALL PERSONAL CHECKING ACCOUNTS INCLUDE:
- No Minimum Balance
- Free Mobile Deposit
- Free Visa® debit card issued instantly at all branches
- Free eStatements
- Free access to Zelle®
- Digital banking account
- Free Mobile App
- Digital wallet service
- Surcharge-free access to Moneypass® ATMs
- Direct Deposit
1. $0.10 per item fee for checks cleared in excess of stated amount. For Relationship checking, this fee will not apply if you maintain a $1,000.00 daily balance throughout the month.
2. Eligibility for surcharge reimbursements only applies if account requirements are met (includes debit card, digital banking, and eStatements).
3. $5 monthly fee if account does not have a debit card or if account is not enrolled in eStatements through internet banking or mobile app (includes undeliverable eStatements).
4. Reduce fee $5 annually if enrolled for auto payment.
5. Magnifi Financial standard check style, other styles available at member's expense. Available only at account opening.
CHECKING ACCOUNT RATES
Effective Date 4/1/2023
|Type||Dividend Rate||APY||Min Opening Deposit||Min Balance to Earn Stated APY|
|Relationship Checking||0%||0%||$0.00||$0 - $999|
|0.25%||0.25%||$1,000 - $4,999|
|High-Yield Checking (Discontinued)||0%||0%||$0.00||$0 - $1,999|
|1.00%||1.00%||$2,000 - $24,999|
Rates are subject to change without notice. Dividends compound monthly.
** Fees could reduce earnings
New Members: Complete an application online.Apply Now
Current Members: Apply in Digital Banking.Sign In to Apply
Magnifi Financial has 25 local branches throughout Minnesota.View Locations
Talk to a Magnifi Financial team member virtually face-to-face. Learn More
Monday - Thursday: 8 AM - 5 PM
Friday: 8 AM - 6 PM
Saturday: 8 AM - 12 PM
Schedule An Appointment for a Virtual or In-Person Meeting
Helpful Additions for your Checking Account
Optimize your checking account with our digital banking platform and add-on services.Go Digital
Save the Change
Round up your debit card purchases and build up your savings for future expenses.Start Saving
Safeguard yourself against overdraft fees by adding this perk to your checking account.
Check out all of your other options you can utilize with Magnifi Financial's suite of products and services! Our team works with you individually to ensure you're on track to reaching your financial goals.
Join the Magnifi Family!
At Magnifi, you're not just a member-owner of an award-winning credit union, you become part of the Magnifi family and receive all the benefits and perks you need to succeed financially.