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Checking Accounts

Good banking happens here every day, like through our easy-to-use Checking Accounts.

Enjoy free ATM/VISA® Debit Cards, surcharge free ATM transactions at any F&M Bank, three free non-F&M Bank ATM withdrawals per month ($1.50 thereafter), free mobile and online banking with bill pay, and free e-statements including check images, no matter what account you choose. Easy to open with $50 deposit.

Pick from these F&M Bank Checking Accounts to fit your lifestyle and financial needs:

Choice Checking

  • No minimum balance
  • $5 per month account fee is waived with direct deposit or 10 debit card uses per month
  • $2 per month account fee is waived with use of e-statements

Advantage Checking

  • $250 minimum ledger or $500 average collected balance requirement
  • $8 per month minimum-balance fee is waived if minimum balance is met
  • No account fee

Premier Checking

  • $500 minimum ledger or $1,000 average collected balance requirement
  • $10 per month minimum balance fee is waived if minimum balance is met
  • No account fee
  • Interest bearing

Senior Checking (for customers age 60+)

  • No minimum balance
  • $5 per month account fee is waived with direct deposit
  • Interest bearing
  • $5 annual safe deposit box discount

Student Checking (for students up to 23 years of age)

  • No minimum balance
  • No account fee
  • Ten free non-F&M Bank ATM withdrawals per month

Stop by to open your new checking account today! Plus, find more information about our value-added services and VISA® Debit Cards.

Choose F&M Bank – banking that feels right