Open this interest-bearing account in four quick steps. It’s all online — and includes all the features you need.
Key Features
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No Monthly Service Charge1
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No Minimum Balance Requirements
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Open Online
No Monthly Service Charge1
No Minimum Balance Requirements
Open Online
- Interest-bearing account that’s opened exclusively online in four simple steps
- No monthly service charge1
- No minimum balance requirements
- Unlimited check writing; no per check charge2
- Free online and mobile banking services, including3:
- Free eStatements
- Free Bill Pay
- Free Mobile Check Deposit4
- Includes Visa® debit card
- No fee for use of F&M Bank ATMs5
- $50 minimum deposit to open
This account can only be opened online through the F&M Bank web site. Sky Blue Checking™ cannot be opened in a branch. After the account is open, customers may bank in any of our branch locations at no additional cost. This account has a $50 minimum balance to open, no monthly service charge, and pays interest. Personal accounts only, limit one account per household.
1No Monthly Service Charge refers to a 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.
2Customer purchases checks.
3 For new users, enrollment is required. There is no fee from F&M Bank to use Online & Mobile Banking. Internet access is required, check with your mobile carrier about fees for internet data, text messaging, or other related services. Refer to our Online & Mobile Banking End User License Agreement for more information.
4 Some restrictions will apply and funds from a mobile deposit are not available for immediate use.
5Other fees apply for example: monthly Point of Sale (POS) charge and use of (non-F&M Bank) ATMs.
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.
This information is effective 10/1/2023 and subject to change anytime without notice.