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.