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 · Rating from CreditDoc methodology
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 specialized 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.
Yes. M&F Bank - Charlotte, NC is a registered company, headquartered in Charlotte, NC.
Results vary by individual situation. Contact the provider to discuss expected timelines for your specific needs.
CreditDoc Diagnosis
M&F Bank is best for small business owners and Charlotte-area residents seeking traditional community banking with relationship-based service and SBA lending expertise. The main caveat is that the bank appears to have limited branch availability and lacks transparent 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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