Checking Accounts

We offer an array of financial products and services including our easy-to-use Checking Accounts.

Enjoy free ATM/VISA® Debit Cards, surcharge free ATM transactions at F&M Bank, five free non-F&M Bank ATM withdrawals per month ($1.50 thereafter), free mobile and online banking with bill pay, and free e-statements. Pick from these F&M Bank Checking Accounts to fit your lifestyle and financial needs:

All accounts require a minimum opening deposit of $100 unless otherwise stated.

FIRST FREE CHECKING

• No minimum balance
• No monthly maintenance fee
• No account activity fee unless dormant for 12 consecutive months
• Unlimited check writing privileges
• Electronic statements thru our Online Banking Service (Images not included)

BASIC CHECKING

• No minimum balance
• $2 monthly maintenance fee
• Unlimited check writing privileges
• Paper statement (Images not included)

PERSONAL CHECKING

• $400 minimum ledger or $750 average collected balance requirement
• $4 per month minimum balance fee is waived if minimum balance is met
• $0.20 activity fee for debits (electronics or checks) over 25 per statement cycle
• Paper statement (Images included)

PREMIER CHECKING

• $500 deposit required to open account
• $500 minimum ledger or $1,500 average collected balance requirement
• $10 per month minimum balance fee is waived if minimum balance is met
• $0.20 activity fee for debits (electronic or checks) over 25 per statement cycle
• Interest bearing
• Paper statement (Images included)

MONEY MARKET

• $1,000 deposit required to open account
• $3 maintenance fee if balance is less than $1,000 any day of statement cycle
• $3 activity fee for debits (electronic or checks) over 6 per statement cycle
• Interest bearing
• Paper statement (Images included)

SENIOR CHECKING (for customers age 60+)

• $100 deposit required to open account
• $5 per month maintenance fee is waived with direct deposit
• Paper statement (Images included)
• Additional benefits include: $5 annual safe deposit box discount

Stop by to open your new checking account today! Plus, find more information about our value-added services and VISA® Debit Cards.

Choose F&M Bank