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.

Comparison Table for Teen College Checking Accounts
(13-17 Years Old)
F&M Teen Debit Card
Get Started Today
(18-24 Years Old)
F&M College Debit Card
Get Started Today
(55+ Years Old)
F&M Senior Debit Card
Get Started Today
Monthly Service Charge None $5 maintenance fee $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  check mark  check mark  check mark
Free Bill Pay N/A  check mark  check mark
ATM Service Charge Fee Reversal
(At a Non-F&M Bank ATM)3
 check mark  check mark  
Foreign ATM Surcharge Fee Reversal
(From a Non-F&M Bank ATM)3
 check mark  check mark  
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      
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, 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.