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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, (non-F&M Bank) 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, Book I & II, for additional information on account terms and fees.

Ultimate Checking

1Safe Deposit Boxes are not available at all branch locations and are subject to availability. There is a one-time $20 Safe Deposit Box key fee.

2Free checks must be ordered through F&M Bank's check printer of choice. For all check orders, customer pays tax, shipping, and tracking charges.

3Ask your banker for information on the terms and conditions of these services.

4Other fees such as non-sufficient funds, overdraft, (non-F&M Bank) ATM surcharge, etc. may apply.

5Your account will receive a refund which will be posted at the end of your account statement cycle for a maximum of $20 for any (non-F&M Bank) ATM fees from (non-F&M Bank) ATM usage within the United States posted during your monthly account statement cycle. Your refund will be forfeited if your account is closed prior to the end of the monthly statement cycle. Transactions that are conducted at or near the end of your monthly statement cycle period may not post to your account for a few business days depending upon the processing method the (non-F&M Bank) ATM provider uses, and thus would be eligible for a refund in the next monthly statement cycle period. In addition, (non-F&M Bank) ATM fees will post to your account as they occur and will lower your actual available balance until they are offset by the refund that occurs on the last day of your account statement cycle.

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

Ultimate High Yield Checking®

1Safe Deposit Boxes are not available at all branch locations and are subject to availability. There is a one-time $20 Safe Deposit Box key fee.

2Free checks must be ordered through F&M Bank's check printer of choice. For all check orders, customer pays tax, shipping, and tracking charges.

3Ask your banker for information on the terms and conditions of these services.

4Other fees such as non-sufficient funds, overdraft, (non-F&M Bank) ATM surcharge, etc. may apply.

5Your account will receive a refund which will be posted at the end of your account statement cycle for a maximum of $20 for any (non-F&M Bank) ATM fees from (non-F&M Bank) ATM usage within the United States posted during your monthly account statement cycle. Your refund will be forfeited if your account is closed prior to the end of the monthly statement cycle. Transactions that are conducted at or near the end of your monthly statement cycle period may not post to your account for a few business days depending upon the processing method the (non-F&M Bank) ATM provider uses, and thus would be eligible for a refund in the next monthly statement cycle period. In addition, (non-F&M Bank) ATM fees will post to your account as they occur and will lower your actual available balance until they are offset by the refund that occurs on the last day of your account statement cycle.

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