Gold Checking Benefits

  • ATM Service Charge Fee Reversal4
  • Foreign ATM Surcharge Fee Reversal4
  • Free Safe Deposit Box, 1 box up to $60, for 1 Year
    (based upon availability)3
  • Free Checks provided by our vendor
    (1st box F&M logo checks)
  • Free Unlimited Cashier’s Checks, Money Orders & Traveler's Cheques (Please see Branch Management for details)
  • Interest on Checking
  • Additional Gold Checking Account
    (monthly service charge waived for 1 year)3
  • 2 Free Savings Accounts for 1 year3
  • Free Incoming Domestic Wire Transfers


  • Free Mobile Check Deposit1
  • Free Direct Deposit 
  • Free Telebanker & Call Center
  • Free eStatements & eNotices
  • Unlimited Check Writing


  • $20 maintenance fee or maintain $5,000 minimum
    daily balance, or $10,000 average daily balance, or  $50,000 combined checking and/or savingsaverage daily balance.


  •  $100
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. For account details and deposit interest rates, please visit, ask our office staff, or refer to the account agreement and disclosures provided at time of opening. Please refer to Services and Fees on for additional details.

  1. F&M Bank does not charge for this service, however, your wireless carrier may charge you fees related to this service.
  2. Balances 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.
  3. Checking accounts, Savings accounts, and Safe Deposit Box benefits are upon request.
  4. Applicable for non-F&M ATM use in the United States and its territories only. Overdraft fees, if applicable, may apply. Fee reversal will occur within 48 hours.