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.