All F&M Bank checking accounts include Free Debit Mastercard®1, Free Debit Card Alerts4, Free Online Banking, Free Mobile Banking4, Free Mobile Check Deposits4, and Free eStatements & eNotices.

Farmers & Merchants Bank was founded by C.J. Walker in 1907 on conservative values. Today, we’re one of California’s strongest banks - with over $7 billion in assets, F&M Bank has 24 offices serving Southern California and offers a wide variety of individual and business banking and lending products. We provide our clients with our trusted brand of handshake service, so let us customize a solution that meets your goals.

  TEEN
(13-17 Years Old)
F&M Teen Debit Card
Get Started Today
COLLEGE6
(18-24 Years Old)
F&M College Debit Card
Get Started Today
SENIOR
(55+ Years Old)
F&M Senior Debit Card
Get Started Today
Monthly Service Charge None $8 maintenance free $10 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      
Free Bill Pay N/A    
ATM Service Charge Fee Reversal
(At a Non-F&M Bank ATM)3
     
Foreign ATM Surcharge Fee Reversal
(From a Non-F&M Bank ATM)3
     
Free Checks
(Provided By Our Vendor)
  1st Box F&M Logo Checks or Variety Pack of 50 Checks 1 Box F&M Logo Checks Per Calendar Year
Free Cashier's Checks, Money Orders & Traveler's Cheques
(Please See Branch Manager)
     
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      
  TEEN Get 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 $15 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.
  • 3Applicable 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.
  • 4F&M Bank does not charge for this service, however, your wireless carrier may charge you fees related to this service.
  • 5A $3 paper statement fee is assessed for each paper statement mailed unless you enroll in eStatements.
  • 6F&M Bank reserves the right to verify college enrollment at account opening.