Free Checking Account

Free Checking Account


Free Checking* is a basic non-interest bearing account with no recurring monthly account service charge.

Free checking has no recurring monthly account service charge or account maintenance fee; other fees and charges may apply, such as a $1.50 monthly Point of Sale (POS) fee per statement cycle, if used.

See important Account Disclosure Information below.*

Minimum Opening Deposit

  • $50

Monthly Service Charge

  • No Recurring Monthly Account Service Charge
  • No Minimum Balance Requirements

Other Benefits

  • No Limit on Check Writing and No Per Check Charge
  • F&M Bank VISA® Money Card or ATM Card is Available Upon Request
  • No Fee for Use of F&M Bank ATMs
  • eStatements or Paper Statements are Available* (your choice!)
  • Bank by Phone*
  • Online Banking*
  • E-mail Alerts*
  • Easy Mobile Banking*
  • EZ Banking Smartphone App*
  • Overdraft Protection Available*

Free Checking

This account is available to Consumer Customers. It requires a $50 minimum opening deposit and has no monthly account service charge. There is no limit on check writing and no per check service charge. An F&M Bank Money Card or Automated Teller Machine/Point-of-Sale Card is available upon request. Other fees and charges may apply (for example: customer purchases checks, fee for optional Bill Pay service, and $1.50 monthly Point of Sale (POS) fee (per statement cycle) if used).

Visit any of our convenient locations or call us at (800) 888-1498, M-F 8am-6pm PST. Either way, one of our friendly and knowledgeable Customer Service Representatives will be happy to assist you.

*Account Disclosure Information

1 Free Checking describes that the account has no monthly maintenance fees (i.e. no recurring monthly service charges); other fees and charges may apply, such as a $1.50 monthly Point of Sale (POS) fee per statement cycle, if used.

2 Consumers must choose between eStatements or Paper Statements. eStatements require Online Banking, internet access, and an active email account.

3 The request of account information, without charge, by using the automated system or by speaking to a Call Center Representative. Fees may apply for other services including transfer of funds and stop payments.

4 To use Online Banking, Easy Mobile Banking, Email Alerts, and the SmartPhone App internet access and an active e-mail account are required and text messaging is desirable. To use E-mail Alerts, Easy Mobile Banking, or our EZ Banking Smartphone App you must also have our Online Banking service. Check with your mobile carrier about fees they may charge you for internet access, text messaging or other related services.

5 Account must meet qualifying conditions and fees apply when used. Refer to the Overdraft Privilege Services disclosure for complete information.

For terms and conditions, account information, and a list of fees and charges that may apply, please refer to our Customer Agreement & Schedule of Charges, Books I & II which you received at account opening.

This information is effective 8/1/14 and subject to change anytime without notice.