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.
| TEEN7 (13-17 Years Old) 
Get Started Today |
COLLEGE6 (18-24 Years Old) 
Get Started Today
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SENIOR (55+ Years Old)
Get Started Today
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|---|---|---|---|
| Monthly Service Charge | None | $5 maintenance free | $5 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 |  |
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| Free Bill Pay | N/A | |
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| ATM Service Charge Fee Reversal (At a Non-F&M Bank ATM)3 |
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| Foreign ATM Surcharge Fee Reversal (From a Non-F&M Bank ATM)3 |
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| Free Checks (Provided By Our Vendor) |
1st box of 80 F&M logo checks or 40 variety checks | 1 Box F&M Logo Checks Per Calendar Year | |
| Free Cashier's Checks, Money Orders & Traveler's Cheques (Please See Branch Manager) |
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| 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 | |||
| TEENGet 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 $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.
- 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.
- 7Minors under 18 years old must have an adult as a joint accountholder.