Checking

Personal Checking Account 

With just $100, you can open your Modern Woodmen Bank Personal Checking Account and take advantage of these benefits:

  • Free Modern Woodmen Bank exclusive checks
  • Free online banking
  • Free mobile banking
  • Free MasterCard® debit card
  • Free ATM/debit card transactions with no surcharge at participating ATM Networks
  • Unlimited ATM surcharge rebates
  • Rewards – Earn rewards points that you can exchange for a wide assortment of travel, merchandise, or Visa® Gift Cards through the ScoreCard® program
  • Free unlimited online bill payment
  • Free incoming wires
  • Free ACH transfers into and out of other financial institutions
  • Free online transfers to nonrelated accounts within Modern Woodmen Bank
  • Free telephone transfers between your Modern Woodmen Bank accounts
  • Free eDeposit 
  • Free Mobile Express Deposit
  • No minimum balance required
  • No monthly service charge
  • Overdraft protection available through Modern Woodmen Bank checking, savings, or credit cards
  • Competitive interest rates
  • Interest earned daily, paid to your monthly


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Depositing money in your account is simple! 

Modern Woodmen Bank offers these convenient ways: 

  • Electronic direct deposit — Have your Payroll, Social Security or other checks automatically deposited into your account
  • Online banking transfers — transfer from internal or external accounts
  • ATM deposits and transfers (where available) — Use your Modern Woodmen Bank debit card to deposit money at participating ATMs in the Shazam®, Star®, NYCE®, Pulse® and Cirrus® networks
  • Utilize eDeposit — through online banking
  • Express Deposit — With your smart phone use your Modern Woodmen Bank Mobile Express Deposit App to deposit checks
  • Mail — Use free Modern Woodmen Bank postage paid envelopes to send your checks or money orders for deposit into your account
  • Telephone transfers — Use Modern Woodmen Bank's telephone banking system to transfer money between your accounts. Call 877-255-2265
  • Wire transfers — Transfer funds by wire to your Modern Woodmen Bank account