Paycheck Protection Program (PPP) Loans: Please visit F&M Bank’s PPP Knowledge Center for up-to-date information about First Draw PPP loans, Second Draw PPP loans, and loan forgiveness.
Our Digital Tools Make Things Easy, Secure, and Convenient
Monthly Service Charge
$25 Maintenance Fee
Minimum Opening Balance
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 Savings Average Daily Balance or $100,000 Combined Checking and/or Savings Average Daily Balance and/or CD3 Current Balance.
GOLD CHECKING ACCOUNT BENEFITS AND FEATURES
- Free Debit Card Alerts1
- Free Mobile Banking with
Mobile Check Deposit1
- Free Online Banking
- Free eStatements & eNotices
- Unlimited Check Writing
- Free Bill Pay
- ATM Service Charge Fee Reversal
(At a Non-F&M Bank ATM)2
- Foreign ATM Surcharge Fee Reversal
(From a Non-F&M Bank ATM)2
- Free Checks Provided By Our Vendor
(1st Box F&M Logo Checks)
- Free Cashier’s Checks, Money Orders & Traveler’s Cheques (Please See Branch Manager)
- Interest on Checking
- Free Sweep Transactions/Telephone
Transfers Upon Request
- Overdraft Features
- 24/7 Toll Free Telebanker
- Notary Services
- F&M Gift Cards by Mastercard®
- Safe Deposit Boxes4
Explore Our Checking Accounts
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.
- 1F&M Bank does not charge for this service, however, your wireless carrier may charge you fees related to this service.
- 2Applicable 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.
- 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.
- 4Contents of Safe Deposit Boxes are not FDIC insured.