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new account choices

Pick the option that fits you best.

  • Free
    No fees account
  • Friends
    An account with a generous rewards program for referring friends*.
  • First
    Are you 10-24 years old? Have a child that needs a bank account? Are you a college student with a limited income? This account is for you.
  • Fresh
    Have you been reported by ChexSystems? Try the Fresh account. We are ready to help
Compare Accounts

Compare mph.bank Accounts

You have choices. Please pick the account that is right for you.

Account Features Free Friends First Fresh
Get paid up to two days early3
"Contactless" Debit Card
Personalized Dashboard
Digital Spend (Checking Account)
"Goals" Accounts (Savings Account) with 1.00%APY†
Round-Up Widget
Simplified Bill Paying (mphcard instaPay, mphcard onFile)
View Your Credit Score
Message Center
Funds Transfer
View and Print Statements
Profile Updates
Direct Deposit Form
Online Help and Secure Chat
Zelle (Peer To Peer Payments)
Mobile Deposit
Online Activity Center
Referral Rewards*
No Overdraft Fee
No Monthly Fee
Account Requirements Direct deposit to your account of at least $500 for that month. $9 monthly fee, or make 15 mphCard purchases by the last business day of the month. Parent or Guardian as a Joint owner of the account. $9 Monthly Service Fee.

1 Parents can determine debit card limits for students. Students can determine debit card limits when they turn 18.
2 Parents have access to students’ credit scores. Students can have access when they turn 18.
3 Access to funds for getting paid early can be up to two days prior to date of scheduled payment and is dependent on submission of direct deposit by payer. Standard fraud prevention restrictions apply.
* There is a $9/month fee for the Friends account which is automatically waived the first month the account is opened, and the next full month. This fee will be waived each month there are 15 posted mphCard purchases by the last business day of the month. The Friends account has Monthly Referral Rewards. You will get paid one dollar ($1.00) each month, for each verified account you refer, and their connections (up to 6,) if you, and they, have at least 15 mphCard purchases post to the respective account(s) by the last business day of the month. Each member is limited to earning $8,500 in referral rewards per month, regardless of the number of people you have referred, or they have referred. The referral code you create is what links the new account to you. If the new member does not type in your code correctly, you will not get credit. See Truth in Savings Disclosure for full terms and conditions. Customer information is private so we will not be able to share with you the names of those who have opened an account using your code. The interest rate is 0.00% APY (APY stands for Annual Percentage Yield). All deposit products are provided by, and mph.bank is a brand of, Liberty Savings Bank, F.S.B. Member FDIC.
† Goals accounts earn 1.00%APY (APY stands for Annual Percentage Yield). All deposit products are provided by, and mph.bank is a brand of, Liberty Savings Bank, F.S.B. Member FDIC.