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.
BRONZE
Get Started Today |
SILVER
Get Started Today
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GOLD
Get Started Today
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PLATINUM
Get Started Today |
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| 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 |  |
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| Free Bill Pay | |
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| ATM Service Charge Fee Reversal 4 (At a Non-F&M Bank ATM) |
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| Foreign ATM Surcharge Fee Reversal4 (From a Non-F&M Bank ATM) |
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| 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) |
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| Interest on Checking | |
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| Free Sweep Transactions/Telephone Transfers Upon Request | |
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| Free Savings Account Upon Request | |
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| Free Safe Deposit Box for 1 Year Upon Request |
1 Box, Any Size Based Upon Availability | |||
| Free Stop Payments Upon Request | |
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| Free Incoming & Outgoing Domestic Wire Transfers | |
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| 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.