Ministry Interest Checking
- $100 minimum to open
- No monthly service fee3 with $1,500 minimum daily balance
- Unlimited deposit and check writing
- Visa Debit Card4
- Convenient deposit locations nationwide
- Minimum to Open: $100
- APY*: 0.05%
Earns Dividends
on balances of $1,500 or more1
24/7 Account Access
through AdelFi mobile app, 30,000+ surcharge-free ATMs nationwide, & 5,600+ Shared Branches through CO-OP Network2
Gives to Missions
with Visa Debit Card signature-based purchases
Checking Services
Order Checks
Do you pay by check? Protect them with high security checks.
Overdraft Protection with Courtesy Pay
Life happens! AdelFi understands that unexpected overdrafts occur from time to time—our Courtesy Pay overdraft protection can help.
Opt-in within Online/Mobile Banking when you’ve opened your account.
Ready to open a Ministry Interest Checking Account?
Terms & Conditions
*APY = Annual Percentage Yield. APYs are accurate as of 11/01/2026 and are subject to change without notice. Earns interest when daily balance is $1,500 or more. There is a $10.00 monthly service fee on Ministry Accounts and $15.00 on Business accounts if the balance falls below $1,500.
1. Checking Account earns interest when daily balance is $1,500 or more. This is a variable rate account, and the APY could change after the account is opened. For current APY, call 800.347.2228 or view our current rates.
2. ATMs available through the CO-OP ATM Network. A surcharge fee from the ATM owner may apply on non CO-OP ATMs.
3. A $10 monthly fee is incurred when the daily balance falls below $1,500 at any time during the month.
4. A separate application is required and only authorized signers on the account can be cardholders.