Checking Accounts

Māla Checking Account

Not an ordinary checking account – a checking account that has a Garden of Benefits!

With a Māla Checking Account, you have access to many valuable benefits and services, including: 

  • Up to $10.00 reimbursement on ATM surcharge fee monthly

  • Waived Cashier's Check (two per day)

  • Visa Debit Card – NO Annual Fee and Waived Replacement Card Fees

  • Access to nearly 30,000 surcharge-FREE ATM’s through the CO-OP Network

  • FREE Online Banking and Bill Pay

  • NO minimum balances required

  • Unlimited check writing and NO per check charge

  • FREE supply of checks (with Direct Deposit)

  • Professional identity theft recovery and identity theft expense reimbursement insurance of up to $25,000.00

  • Entitlement to proactive identity monitoring services*:

    • Continuous credit monitoring

    • Monthly credit score

    • Dark web monitoring

  • Mobile phone coverage** to reimburse you for phone repair or replacement up to $500.00 per year ($50.00 deductible)

*Identity theft insurance is underwritten by Lyndon Southern Insurance Company, a member of the Fortegra family of companies. The information provided is a program summary. Please refer to the Identity Theft Expense Reimbursement Evidence of Coverage forms for additional information including details of benefits, specific exclusions, terms, conditions and limitations of coverage. Coverage is currently not available to residents of the state of New York and may not be available in other U.S. territories or jurisdictions in the future. For Evidence of Coverage for Identity Theft Expense Reimbursement Insurance, visit your Program Sponsor’s nxg|PROTECT website.

MONITORING SERVICES ARE PROVIDED TO THE PRIMARY ACCOUNT HOLDER ON AN ENTITLED BASIS AND REQUIRE CONSUMER ACTIVATION.  Monitoring Services are provided by TransUnion®, subject to change, and are applicable to individuals age 18 and older who have a valid credit file. Identity authentication is required to receive the benefits of credit monitoring and other monitoring. Monitoring alerts are provided by email and optional SMS text. The credit score provided may not be consistent with the credit score model used by a lender, and therefore cannot be relied upon to determine creditworthiness for any particular loan opportunity.

**Certain terms, conditions and limitations apply to Mobile Phone Coverage, so it is important that you carefully review the “Electronic Device Protection Policy Summary - Terms and Conditions” on your Program Sponsor’s nxg|PROTECT website.

Share Draft Checking

  • FREE supply of checks (with Direct Deposit)

  • FREE Online Banking and Bill Pay

  • Access to nearly 30,000 surcharge-FREE ATM’s through the CO-OP Network

  • NO minimum balances required

  • NO monthly fees

Please click here for current rates.