Worry-FREE Checking®

  • Completely free checking with the essentials
  • No monthly service charge or minimum balance requirements1
  • Includes unlimited checking and free online and mobile banking2
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Ultimate Checking

  • Competitive interest-bearing checking account
  • Variety of exclusive services available
  • Includes unlimited check writing and overdraft protection1
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Ultimate High Yield Checking®

  • Earn higher interest on your checking balance
  • Includes all exclusive benefits from Ultimate Checking
  • Monitor your funds with free online and mobile banking1
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Sky Blue Checking™

  • Earn competitive interest on your checking account
  • No monthly service charge or minimum balance requirements1
  • Opened entirely online in four simple steps
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Teen Checking

  • No monthly service charge or minimum balance requirements1
  • Account for teens age 13 to 172
  • Teach your kid(s) the ins and outs of banking
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Worry-FREE Checking®

1Free 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.

2Ask your banker for information on the terms and conditions of these services.

Effective 4/1/2021. Refer to the Customer Agreement & Schedule of Charges, Books I & II, for additional information on account terms and fees.

Ultimate Checking

1Ask your banker for information on the terms and conditions of these services.

Effective 4/1/2021. Refer to the Customer Agreement & Schedule of Charges, Books I & II, for additional information on account terms and fees.

Ultimate High Yield Checking®

1Ask your banker for information on the terms and conditions of these services.

Effective 4/1/2021. Refer to the Customer Agreement & Schedule of Charges, Books I & II, for additional information on account terms and fees.

Sky Blue Checking™ 

1No Monthly Service Charge refers to a recurring monthly account service charge or account maintenance fee; other fees and charges may apply, such as a $1.50 monthly Point of Sale (POS) fee per statement cycle, if used.

This information is effective 4/1/2021 and subject to change anytime without notice.

Teen Checking

1No 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.

2This 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

Effective 4/1/2021. Refer to the Customer Agreement & Schedule of Charges, Books I & II, for additional information on account terms and fees.