All F&M Bank checking accounts include:
- Free Debit Mastercard1
- Free Debit Card Alerts4
- Free Online Banking
- Free Mobile Banking4
- Free Mobile Check Deposits4
- Free eStatements & eNotices.
Paycheck Protection Program (PPP) Loans: Please visit F&M Bank’s PPP Knowledge Center for up-to-date information about First Draw PPP loans, Second Draw PPP loans, and loan forgiveness.
All F&M Bank checking accounts include:
TEEN7 (13-17 Years Old) ![]() |
COLLEGE6 (18-24 Years Old) ![]() |
SENIOR (55+ Years Old) ![]() |
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Monthly Service Charge | None | $5 maintenance free | $5 maintenance fee |
Ways to Waive Monthly Service Charge (Per Statement Cycle) |
N/A | Minimum $250 in Direct Deposit(s) or 15 Debit Card Point-of-Sale Transactions2 | Minimum $250 in Direct Deposit(s) or 5 Debit Card Point-of-Sale Transactions2 or Maintain $250 Average Daily Balance |
Minimum Opening Balance | $25 | $25 | $100.00 |
Paper Statement Fee 5 | $3 | $3 | $3 |
Unlimited Check Writing | ![]() |
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Free Bill Pay | N/A | ![]() |
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ATM Service Charge Fee Reversal (At a Non-F&M Bank ATM)3 |
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Foreign ATM Surcharge Fee Reversal (From a Non-F&M Bank ATM)3 |
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Free Checks (Provided By Our Vendor) |
1st box of 80 F&M logo checks or 40 variety checks | 1 Box F&M Logo Checks Per Calendar Year | |
Free Cashier's Checks, Money Orders & Traveler's Cheques (Please See Branch Manager) |
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Interest on Checking | |||
Free Sweep Transactions/Telephone Transfers Upon Request | |||
Free Savings Account Upon Request | |||
Free Safe Deposit Box for 1 Year Upon Request | |||
Free Stop Payments Upon Request | |||
Free Incoming & Outgoing Domestic Wire Transfers | |||
TEENGet Started Today | COLLEGE Get Started Today | SENIOR Get Started Today |
Some account features and benefits may be subject to separate application, agreement, and/or approval. Terms and Conditions may apply. Account features and benefits are subject to change with or without notice. A $20 early closure fee applies if the account is closed within 90 days of the opening date. For additional details, please refer to Services & Fees located at fmb.com/fees, or the agreement and disclosures provided at the time of account opening, or ask our office staff.