Choose the Ministry Checking Option Right for You
Ministry Interest Checking
This Checking Account earns interest! Earn more for your ministry when you keep a $1,500 daily balance.1
Ministry Analyzed Checking
Built for ministries with higher transaction activity, this account offers flexible cash management with an earnings allowance to help offset fees.
| Features | Ministry Interest Checking | Ministry Analyzed Checking |
|---|---|---|
| Right for you if... | You want your ministry's everyday funds to work harder by earning interest. | You have high transaction activity or advanced cash management needs. |
| Minimum Opening Deposit | $100 | $200 |
| Earns Interest | 0.05% APY1 | n/a |
| Monthly Maintenance Fee | No monthly fee if the daily balance remains $1,500 and above2 | $19.50 |
| Reduce Fees or Keep it Free | Free if the daily balance remains $1,500 and above2 | An earnings allowance may offset activity and maintenance fees. |
| Monthly Cash Deposits | Refer to Fee Schedule3 | Refer to Fee Schedule3 |
| Total Monthly Transactions | Refer to Fee Schedule3 | Refer to Fee Schedule3 |
| Visa® Business Check Card4 |  | |
| Available Overdraft Protection | | |
| 30,000+ Co-op ATMs & Over 5,600 Co-op Shared Branches nationwide including deposit locations5 | | |
| Get Started Today | Get Started Today |
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.
FAQs
Click Fee Schedule to find out about our fees.
AdelFi has many solutions to make deposits for your ministry. Learn more about making Ministry Deposit Account deposits.
AdelFi has many options for accessing funds. Learn more about accessing ministry funds.
Terms & Conditions
- APY = Annual Percentage Yield. APYs are accurate as of 11/04/2026 and are subject to change without notice. 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.
- Ministry Interest Checking will incur a $15 monthly fee when the daily balance falls below $1,500 at any time during the month.
- Please refer to AdelFi’s Account Agreement Disclosures and Account Information and Fee Schedule for complete information about each account. All account rates, agreements, terms, and conditions offered are subject to change without notice. The fee schedule contains current and upcoming fee changes starting October 2nd.
- A separate application is required and only authorized signers on the account can be cardholders. To apply for a Business Check Card, click here. Gives to Mission when used as signature-based purchases.
- ATMs available through the CO-OP ATM Network. A surcharge fee from the ATM owner may apply on non CO-OP ATMs.