All F&M Bank checking accounts include:

  • Free Debit Mastercard1
  • Free Debit Card Alerts5
  • Free Online Banking
  • Free Mobile Banking5
  • Free Mobile Check Deposits5
  • Free eStatements & eNotices.
Comparison Table for Personal Checking Accounts
  BRONZE
F&M Bronze Debit Card Get Started Today		 SILVER
F&M Silver Debit Card Get Started Today 		GOLD
F&M Gold Debit Card Get Started Today 		PLATINUM
F&M Platinum Debit Card Get Started Today
Monthly Service Charge $8 maintenance fee $15 maintenance fee $25 maintenance fee $50 maintenance fee
Ways to Waive Monthly Service Charge
(Per Statement Cycle)		 Maintain $500 Minimum Daily Balance or $1,000 Average Daily Balance to Waive the Monthly Service Charge and the Per Check/Withdrawal Fee of $0.30 for Each Debit Transaction $500 in Direct Deposit(s) or 20 Debit Card Point-of-Sale Transactions2 or Maintain $2,000 Average Daily Balance or $5,000 Combined Checking and/or Savings Average Daily Balance or $15,000 Combined Checking and/or Savings Average Daily Balance and/or CD3 Current Balance Maintain $5,000 Minimum Daily Balance or $10,000 Average Daily Balance or $50,000 Combined Checking and/or Savings Average Daily Balance or $100,000 Combined Checking and/or Savings Average Daily Balance and/or CD3 Current Balance Maintain $15,000 Minimum Daily Balance or $50,000 Average Daily Balance or $100,000 Combined Checking and/or Savings Average Daily Balance or $200,000 Combined Checking and/or Savings Average Daily Balance and/or CD3 Current Balance
Minimum Opening Balance $100 $100 $100 $100
Paper Statement Fee 6 $3 $3    
Unlimited Check Writing  check mark  check mark  check mark  check mark
Free Bill Pay    check mark  check mark  check mark
ATM Service Charge Fee Reversal 4
(At a Non-F&M Bank ATM)		      check mark  check mark
Foreign ATM Surcharge Fee Reversal4
(From a Non-F&M Bank ATM)		      check mark  check mark
Free Checks
(Provided By Our Vendor)		     1st Box F&M Logo Checks 1 Box Any Style Checks Per Calendar Year
Free Cashier's Checks, Money Orders & Traveler's Cheques
(Please See Branch Manager)		      check mark  check mark
Interest on Checking      check mark  check mark
Free Sweep Transactions/Telephone Transfers Upon Request      check mark  check mark
Free Savings Account Upon Request        check mark
Free Safe Deposit Box for 1 Year
Upon Request		       1 Box Based Upon Availability
Free Stop Payments Upon Request        check mark
Free Incoming & Outgoing Domestic Wire Transfers        check mark
  BRONZE Get Started Today SILVER Get Started Today GOLD Get Started Today PLATINUM 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.

  • 1Other financial institutions and ATM operators may charge an additional surcharge fee for use of their ATM, which is disclosed and debited at the time of your transactions.
  • 2Excludes transactions conducted at an ATM.
  • 3Balances may be combined from eligible accounts held by the primary accountholder and eligible accounts related through a primary or joint relationship to the primary accountholder.
  • 4Applicable for non-F&M Bank ATM use in the United States and its territories only. Overdraft fees, if applicable, may apply. Fee reversal will occur within 48 hours.
  • 5F&M Bank does not charge for this service, however, your wireless carrier may charge you fees related to this service.
  • 6A $3 paper statement fee is assessed for each paper statement mailed unless you enroll in eStatements.