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.

C.J. Walker, Founder 1907“Safeguarding our clients’ money is a sacred trust.”

-C.J. Walker, Founder, 1907

  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 savings4average 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 Alerts2      
ATM Service Charge Fee Reversal5    
Foreign ATM Surcharge Fee Reversal5      
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 availability6
  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
(Please see Branch Management for details)
     
Interest on Checking      
Additional Checking Accounts
upon request monthly service charges
waived for 1 year6
   1 Gold account  Unlimited Platinum accounts
Free Savings Accounts for 1 year
upon request6
   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

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/rates, 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. 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.
  5. 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.
  6. Checking accounts, Savings accounts, and Safe Deposit Box benefits are upon request.