Free Checking Account

Worry-FREE Checking®


A free, everyday checking account.¹

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

See important Account Disclosure Information below.*

Minimum Opening Deposit

  • $50

Monthly Service Charge

  • No recurring monthly account service charge1
  • No minimum balance requirements

Other services available at no additional charge2

  • Unlimited Check Writing
  • Online Bill Pay
  • Online Banking
  • Mobile Banking
  • Mobile Check Deposit
  • eStatements or Paper Statements
  • Online Check Images
  • Bank by Phone
  • E-mail Alerts
  • EZ Banking Smartphone Apps
  • No fee for use of F&M Bank ATMs

*Account Disclosure Information

1 Free checking describes that the account has no monthly service or maintenance fees; other fees such as non-sufficient funds, overdraft, foreign (non-F&M) ATM surcharge, etc. may apply. 2 Ask your banker for information on the terms and conditions of these services.

Effective 5/15/17. Refer to the Customer Agreement & Schedule of Charges, Books I & II, for additional information on account terms and fees.