Breeze Spending Account

The free and easy way to manage your money.

We don’t think it should cost you money to use your money. The Breeze Spending Account gives you lots of nice features that make it easier for you to keep more of your hard-earned money.

Free and easy, right from the start.

  • Open your Breeze Spending Account with as little as $5
  • No monthly fees1
  • No minimum balance to maintain

No fees, no worries.

  • No hidden transaction fees
  • Mastercard® contactless debit card with no charges at over 30,000 CO-OP ATMs in the U.S. and Canada
  • Send money anytime with Zelle®5

It’s your money. Get it faster.

Use your paycheck up to 2 days sooner when you use direct deposit.2

It’s okay, we’re all human.

If you’re using your debit card and are a little short on funds, you’re covered up to $100 (with direct deposit).3, 4

Manage your account easily.

  • View your account anytime with the Mission Fed app.
  • View statements online; no paper statements to deal with.
  • Conveniently pay bills and set up automated payments with Online Bill Pay.

Our best feature: real people to talk to.

Need help? Come into any of our 33 branches or call our Contact Center at 800.500.6328. Real human beings standing by.

It’s free. It’s easy. It’s Breeze.

Compare our Spending and Checking account options to choose what's right for you.

Subject to approval.

  1. The Breeze Spending Account has no monthly, maintenance, overdraft or NSF fees. Fees like debit card replacement fees, foreign transaction fees, or out of network ATM fees or fees for extra services like, wire transfers may apply to your account. See our Fee Schedule for more details.
  2. Early paycheck availability depends on when we receive the payment file from the payer.
  3. Overdraft protection for debit card transactions requires enrollment and is available up to $20 without direct deposit. $100 overdraft coverage requires enrollment and qualifying direct deposits of at least $500 into your Breeze Spending Account. Overdraft transactions are paid at our discretion. If we do not authorize and pay an overdraft, your transaction may be declined. Mission Fed will not charge you an overdraft or NSF fee, but you may be charged a fee by third parties such as businesses attempting to debit your account. Any negative balances that result from overdraft protection must be paid within 30 days from the date your account becomes negative. Overdraft protection may not be available for all Breeze Spending Accounts.
  4. Qualifying direct deposit includes an ACH deposit of regular monthly income such as your paycheck, pension or other government benefit from your employer or other third-party. One-time deposits and peer to peer payments do not qualify.
  5. Must have a bank account in the U.S. to use Zelle®. Transactions typically occur in minutes when the recipient’s email address or U.S. mobile number is already enrolled with Zelle®. Mobile carrier fees may apply.


Options Breeze Spending Account Easy Checking Account Smart Checking Account
  Totally free

Free with eStatements

Earn dividends
Monthly Fee None None when enrolled in eStatements otherwise $2 None with monthly direct deposit of $500 or more or average daily balance of $1,500 or more, otherwise $7
Initial Minimum Deposit $5 $5 $5
Free Mastercard® Debit Card Yes Yes Yes
Fee-free CO-OP Network ATM Use Yes, at 30,000 ATMS in the U.S. and Canada Yes, at 30,000 ATMS in the U.S. and Canada Yes, at 30,000 ATMS in the U.S. and Canada
Overdraft Protection Options* Yes, free Yes, with fee Yes, with fee
Mobile Banking Apps Yes Yes Yes
Online Banking Yes Yes Yes
Zelle® Yes Yes Yes
Free Online Bill Pay* Yes Yes Yes
Apple Pay, Samsung Pay, Google Pay Yes Yes Yes
Earns Dividends No No Yes, on balances of $500 and higher, calculated daily. Tiered based on balance
Free EasySave Yes Yes Yes
eDocuments Yes Yes Yes, optional
Customer Service Available by phone/email Yes Yes Yes
WebChat Yes Yes Yes
Free, 24/7 Access to Automated Phone Service Yes Yes Yes
Free, Unlimited Check writing No, Debit Card Access Only Yes Yes
Age Requirement Minimum age 13. Ages 16 & 17 with valid government issued ID do not require parent/legal guardian signer. Minimum age 13. Ages 16 & 17 with valid government issued ID do not require parent/legal guardian signer. Minimum age 13. Ages 16 & 17 with valid government issued ID do not require parent/legal guardian signer.
*Age 18 and older.
Refer to Fee Schedule for full details on account fees and charges.
For additional product details, refer to: Checking Account Disclosure

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