- Community Reinvestment
- About Us
To contact F&M Bank
121 W. Pine Street
Lodi, CA 95240
1 (800) 888-1498
For Teens 13 to 17!
Help teens build responsibility by gaining valuable banking experience and learn the essentials of money management.
See important Account Disclosure Information below.*
Minimum Opening Deposit
Monthly Service Charge
- No Monthly Service Charge1
- No Minimum Balance Requirements
Other services available at no additional charge2
- Choose an F&M Bank Specially-designed VISA® Debit Card
- Parents can monitor transactions and transfer funds through Online & Mobile Banking
- 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
This is a non-interest-bearing account for Consumer Customers between the ages of 13-17. The Teen Checking account must be opened in-branch only, and be owned jointly by a minor and an adult. Upon reaching the age of 18, the account will be converted to a Worry-FREE Checking® account
*Account Disclosure Information
1 No Monthly Service Charge refers to a recurring monthly account service charge or account maintenance fee; other fees and charges may apply. Other fees apply for example: dishonored transactions due to insufficient funds and use of non-F&M Bank ATMs. 2 Ask your banker for information on the terms and conditions of these services.
Effective 5/2/19. Refer to the Customer Agreement & Schedule of Charges, Books I & II, for additional information on account terms and fees.