Personal Checking
We offer a variety of products to meet our customers' needs. We believe there is a Checking Account at F&M Bank that will work for everyone! And, you can simplify the opening process online account application!
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The Mark Twain Really Free Checking
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Regular Checking
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NOW Account
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Safekeeping NOW Account
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Minimum to Open
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$100
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$500
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$500
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$500
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Required Monthly Minimum Balance to Avoid Maintenance Fee
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None
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$500
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$500
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$500
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Monthly Maintenance Fee
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None
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$8
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$10
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$10
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Earns Interest
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No
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No
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Yes - See Rates
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Yes - See Rates
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Minimum to Earn Interest
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NA
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NA
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$1,000
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$1,000
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Withdrawal Fees
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NA
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NA
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NA
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NA
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1st Free Debit Card
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Unlimited Check Writing
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Online Banking
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Free
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Free
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Free
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Free
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Online Bill Pay
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Free
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Free
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Free
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Free
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Mobile Banking
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Free
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Free
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Free
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Free
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Visa Debit Card
1st standard card is free *see link for more information
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ATM Transactions
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**eStatements
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Check Images with Statements
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NA
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NA
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Combined Statements
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24 Hour Phone Banking
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Free
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Free
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Free
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Free
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Overdraft Protection
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Available with active Savings Account, fees do apply
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Ready Cash Reserve
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Available based on credit approval
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* Click here for more Debit Card information
** Click here to sign up for eStatements
*** Click here for the Funds Availability Disclosure