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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Really Free Checking |
Regular Checking |
NOW Account |
Safekeeping NOW Account |
| Minimum to Open |
$100 |
$500 |
$500 |
$500 |
| Required Monthly Minimum Balance to Avoid Maintenance Fee |
None |
$500 |
$500 |
$500 |
| Monthly Maintenance Fee |
None |
$8 |
$10 |
$10 |
| Earns Interest |
No |
No |
Yes - See Rates |
Yes - See Rates |
| Minimum to Earn Interest |
NA |
NA |
$1,000 |
$1,000 |
| Withdrawal Fees |
NA |
NA |
NA |
NA |
| 1st Free Debit Card |
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| Unlimited Check Writing |
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| Online Banking |
Free |
Free |
Free |
Free |
| Online Bill Pay |
Free |
Free |
Free |
Free |
| Mobile Banking |
Free |
Free |
Free |
Free |
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 |
NA |
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NA |
| Combined Statements |
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| 24 Hour Phone Banking |
Free |
Free |
Free |
Free |
| Overdraft Protection |
Available with active Savings Account, fees do apply |
| Ready Cash Reserve |
Available based on credit approval |
* Click here for more Debit Card information
** Click here to sign up for eStatements
*** Click here for the Funds Availability Disclosure