Choose the Ministry Checking Option Right for You
Ministry Free Checking
A no-monthly-fee account designed for ministries with simple banking needs, offering straightforward access to essential tools without balance or activity requirements.
Ministry Standard Checking
A simple, cost-effective option for ministries with lower activity, with easy ways to avoid monthly fees by maintaining qualifying balances.
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 Free Checking | Ministry Standard Checking | Ministry Analyzed Checking |
|---|---|---|---|
| Right for you if... | You need a basic, no-fee checking with no balance or activity requirements. | You need a simple business account for your low monthly activity. | You have high transaction activity or advanced cash management needs. |
| Minimum Opening Deposit | $100 | $200 | $200 |
| Monthly Maintenance Fee | $0 | $12 | $19.50 |
| Reduce Fees or Keep it Free | Already Free | No monthly maintenance fee with the following:
| An earnings allowance may offset activity and maintenance fees. |
| Monthly Cash Deposits | Unlimited | Up to $5,000 in monthly cash deposits allowed. Refer to Fee Schedule for additional transactions.2 | Refer to Fee Schedule2 |
| Total Monthly Transactions | Unlimited | Up to 300 combined transactions allowed per month. Refer to Fee Schedules for additional transactions.2 | Refer to Fee Schedule2 |
| Visa® Business Check Card3 |  | | |
| Available Overdraft Protection | | | |
| 30,000+ Co-op ATMs & Over 5,600 Co-op Shared Branches nationwide including deposit locations4 | | | |
| Get Started Today | 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 and is subject to change without notice.
- Combined Balances include the Minimum Daily Balance of all checking, savings, and certificate accounts with the same tax-reported owner (personal accounts excluded). Accounts closed prior to month end will not have balances included in the calculation.
- 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.