We are an exciting online bank offering great bank account products for today's tech-savvy customers. Our products include: Free Spend (checking) Account: No fees account. Requires monthly payroll direct deposit of $500.00 or more. Friends Spend Account: The account with a generous rewards program for referring friends*.Requires 15 swipes per month of the customer's mphCard (Debit Card) to receive the monthly rewards and to avoid a $9 monthly service fee. First Account: Account designed for students ages 10 - 24 years old. No fees. Customers 10 - 17 years must have a joint owner on the account that is a parent or guardian. Fresh Spend Account: For those with banking problems in their past that are preventing them from opening a standard bank account. The account has a $9 a month service fee and a $10 fee if the account is overdrawn. *All accounts require a $25.00 minimum deposit to open an account. mph.bank Features and Benefits: