Teen Checking

Teen Checking


    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

    • $25

    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.