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Personal Checking Accounts

FIND THE RIGHT F&M CHECKING ACCOUNT FOR YOU

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 $6 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.

CJ Walker“Safeguarding our clients’ money is a sacred trust.”

-C.J. Walker, Founder, 1907

Explore our other checking accounts

Contact us today.

(866) 437–0011

M–F: 7 am – 9 pm
Sat: 8 am – 9 pm
Sun: 8 am – 5 pm PT

  Classic
Get Started TodayApply at an F&M Office
Gold
Get Started TodayApply at an F&M Office
Platinum
Get Started TodayApply at an F&M Office
Monthly Service Charge $15 maintenance fee $20 maintenance fee $25 maintenance fee
Ways to Waive Monthly Service Charge
per statement cycle
$500 monthly direct deposit(s)
or 20 Debit Card Point-of-Sale transactions3 or
Maintain $1,500 average daily balance or
$5,000 combined checking and/or savings4
average daily balance
Maintain $5,000 minimum daily balance or
$10,000 average daily balance or
$50,000 combined checking and/or savings4
average daily balance

Maintain $15,000 minimum daily balance or
$50,000 average daily balance or
$100,000 combined checking and/or savings4
average daily balance
Minimum Opening Balance $100.00 $100.00 $100.00
Free Debit MasterCard®1
Free Debit Card Fraud Alerts2
Waived Non-F&M ATM Transaction Fees1   First 3 withdrawals per calendar month
Free Online Banking
Free Bill Pay
Free Mobile Banking with Text Banking2
Free Mobile Check Deposit2
Free Direct Deposit
Free Telebanker & Call Center
Free Safe Deposit Box for 1 year upon request
based on availability
  1 box, up to $60 1 box, any size
Free eStatements & eNotices
Free Paper Statements upon request  
Unlimited Check Writing
Free Checks provided by our vendor   1st box F&M logo checks 1 box any style checks per calendar year
Free Unlimited Cashier’s Checks, Money Orders
& Travelers Cheques
 
Interest on Checking  
Additional Checking Accounts upon request
monthly service charges waived for 1 year
  1 Gold account Unlimited Platinum accounts
Free Savings Accounts for 1 year upon request   2 savings accounts 3 savings accounts
Free Incoming Domestic Wire Transfers  
Free Outgoing Domestic Wire Transfers    
  Classic
Get Started TodayApply at an F&M Office
Gold
Get Started TodayApply at an F&M Office
Platinum
Get Started TodayApply at an F&M Office
  Classic
Get Started TodayApply at an F&M Office
Monthly Service Charge $15 maintenance fee
Ways to Waive Monthly Service Charge
per statement cycle
$500 monthly direct deposit(s)
or 20 Debit Card Point-of-Sale transactions3 or
Maintain $1,500 average daily balance or
$5,000 combined checking and/or savings4
average daily balance
Minimum Opening Balance $100.00
Free Debit MasterCard®1
Free Debit Card Fraud Alerts2
Waived Non-F&M ATM Transaction Fees1  
Free Online Banking
Free Bill Pay
Free Mobile Banking with Text Banking2
Free Mobile Check Deposit2
Free Direct Deposit
Free Telebanker & Call Center
Free Safe Deposit Box for 1 year upon request
based on availability
 
Free eStatements & eNotices
Free Paper Statements upon request  
Unlimited Check Writing
Free Checks provided by our vendor  
Free Unlimited Cashier’s Checks, Money Orders
& Travelers Cheques
 
Interest on Checking  
Additional Checking Accounts upon request
monthly service charges waived for 1 year
 
Free Savings Accounts for 1 year upon request  
Free Incoming Domestic Wire Transfers  
Free Outgoing Domestic Wire Transfers  
  Classic
Get Started TodayApply at an F&M Office
  Gold
Get Started TodayApply at an F&M Office
Monthly Service Charge $20 maintenance fee
Ways to Waive Monthly Service Charge
per statement cycle
Maintain $5,000 minimum daily balance or
$10,000 average daily balance or
$50,000 combined checking and/or savings4
average daily balance
Minimum Opening Balance $100.00
Free Debit MasterCard®1
Free Debit Card Fraud Alerts2
Waived Non-F&M ATM Transaction Fees1 First 3 withdrawals per calendar month
Free Online Banking
Free Bill Pay
Free Mobile Banking with Text Banking2
Free Mobile Check Deposit2
Free Direct Deposit
Free Telebanker & Call Center
Free Safe Deposit Box for 1 year upon request
based on availability
1 box, up to $60
Free eStatements & eNotices
Free Paper Statements upon request
Unlimited Check Writing
Free Checks provided by our vendor 1st box F&M logo checks
Free Unlimited Cashier’s Checks, Money Orders
& Travelers Cheques
Interest on Checking
Additional Checking Accounts upon request
monthly service charges waived for 1 year
1 Gold account
Free Savings Accounts for 1 year upon request 2 savings accounts
Free Incoming Domestic Wire Transfers
Free Outgoing Domestic Wire Transfers  
  Gold
Get Started TodayApply at an F&M Office
  Platinum
Get Started TodayApply at an F&M Office
Monthly Service Charge $25 maintenance fee
Ways to Waive Monthly Service Charge
per statement cycle
Maintain $15,000 minimum daily balance or
$50,000 average daily balance or
$100,000 combined checking and/or savings4
average daily balance
Minimum Opening Balance $100.00
Free Debit MasterCard®1
Free Debit Card Fraud Alerts2
Waived Non-F&M ATM Transaction Fees1
Free Online Banking
Free Bill Pay
Free Mobile Banking with Text Banking2
Free Mobile Check Deposit2
Free Direct Deposit
Free Telebanker & Call Center
Free Safe Deposit Box for 1 year upon request
based on availability
1 box, any size
Free eStatements & eNotices
Free Paper Statements upon request
Unlimited Check Writing
Free Checks provided by our vendor 1 box any style checks per calendar year
Free Unlimited Cashier’s Checks, Money Orders
& Travelers Cheques
Interest on Checking
Additional Checking Accounts upon request
monthly service charges waived for 1 year
Unlimited Platinum accounts
Free Savings Accounts for 1 year upon request 3 savings accounts
Free Incoming Domestic Wire Transfers
Free Outgoing Domestic Wire Transfers
  Platinum
Get Started TodayApply at an F&M Office

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 fmb.com, ask our office staff, or refer to the account agreement and disclosures provided at time of opening. Please refer to Services and Fees on fmb.com/fees for additional details.


1. Protect your debit card with MasterCard® SecureCode™. Other 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 transaction. 2. F&M Bank does not charge for this service, however, your wireless carrier may charge you fees related to this service. 3. Excludes transactions conducted at an ATM. 4. 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.

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