M&F Bancorp, Inc. is a bank holding company. The Company is the parent company of M&F Bank (the Bank). The Bank is a state-chartered commercial bank. The Bank's services include digital banking, personal banking, wealth and business banking. The Bank's digital banking includes mobile app, bill pay, Zelle, business mobile app, and business online banking. The Bank's personal banking includes checking accounts, savings accounts & CD’s, health savings accounts, credit cards, personal loans, auto loans and home equity line of credit. The Bank's wealth services include wealth management, college savings planning, eldercare financial planning, insurance planning, investments & brokerage accounts, and retirement income planning. The Bank's business banking includes business checking accounts, business savings accounts, payments and cash management, loans, SBA loans and small business grant. The Bank's customers have surcharge-free access to approximately 44,000 ATMs nationwide.