M&F Bank is a community-focused bank with a Charlotte, NC branch offering personal and business banking services, including checking, savings, loans, and SBA financing.
Data compiled from public sources · Google rating shown when a stored review count is available
M&F Bank operates as a community-focused financial institution with over a century of history in community-based banking. The Charlotte, NC location at 101 Beatties Ford Rd. serves both personal and business customers in the region.
The bank emphasizes relationship-driven banking rather than transactional finance, positioning itself as a local partner invested in the community's growth. The bank offers a comprehensive suite of personal banking services including checking accounts, savings accounts, CDs, Health Savings Accounts, personal loans, auto loans, home equity lines of credit, and personal credit cards with uChoose Rewards. For business customers, M&F Bank provides business checking, business savings, SBA loans (7(a) and 504 programs), business credit cards, and cash management services.
Digital banking options include online banking, mobile apps for both personal and business accounts, bill pay, and Zelle transfers. The Charlotte branch is managed by Kim McKenney and can be reached at (704) 332-2121. What distinguishes M&F Bank is its emphasis on small business support through listed SBA lending programs and its Empowering Growth Small Business Grant program, which provides funding to small businesses in the Charlotte community.
The bank also offers wealth management services including financial planning, college savings planning, retirement income planning, and insurance planning through its wealth division. The routing number for the Charlotte location is 053100452. As a traditional community bank, M&F Bank serves customers seeking relationship-based banking with local decision-making, though customers should verify current product offerings and rates directly.
The bank's focus on small business lending and community investment makes it particularly relevant for entrepreneurs and long-term community members, though availability of specific products may vary by location or individual circumstances.
This is state-level context for Banks consumers in Charlotte, NC. It does not confirm that M&F Bank - Charlotte, NC or this specific location is licensed.
State regulator
North Carolina Commissioner of Banks
Consumer protection
North Carolina Attorney General Consumer Protection Division
Source: CreditDoc state-law summary and listed public regulator resources. Verify licensing directly with the listed state regulator before relying on a provider.
M&F Bank - Charlotte, NC offers 18 services including Personal checking accounts, Personal savings accounts and CDs, Health Savings Accounts (HSA), Personal loans, Auto loans, and 13 more.
M&F Bank - Charlotte, NC has profile signals associated with Small business owners seeking SBA financing and local relationship-based lending decisions, Charlotte-area residents wanting community-focused banking with local decision-making authority, Individuals interested in comprehensive financial planning and wealth management services alongside basic banking.
Key strengths: SBA lending programs (7(a) and 504 loans) specifically designed for small business expansion and commercial real estate; Empowering Growth Small Business Grant program providing direct funding to local small businesses; 24/7 digital banking access including mobile apps, online banking, and remote deposit capabilities. Areas to consider: Limited branch network (only one Charlotte location mentioned) may not provide convenience for customers outside the immediate area; Website does not display current interest rates, APRs, or fee schedules for comparison purposes.
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CreditDoc Profile Note
M&F Bank is profile signals for small business owners and Charlotte-area residents seeking traditional community banking with relationship-based service and SBA lending experience context. The main caveat is that the bank appears to have limited branch availability and lacks listed public pricing information, so customers should contact the Charlotte branch directly to confirm product availability, rates, and fees before opening accounts.
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