Open this interest-bearing account in four quick steps. It’s all online — and includes all the features you need.

Key Features

  • No Monthly Service Charge1
  • No Minimum Balance Requirements
  • Open Online
  • Interest-bearing account that’s opened exclusively online in four simple steps
  • No monthly service charge1
  • No minimum balance requirements
  • Unlimited check writing; no per check charge2
  • Free online and mobile banking services, including:
    • Free bill pay
    • Free mobile deposit
    • Free eStatements
  • Includes Visa® debit card
  • No fee for use of F&M Bank ATMs3
  • $50 minimum deposit to open

This account can only be opened online through the F&M Bank web site. Sky Blue Checking™ cannot be opened in a branch. After the account is open, customers may bank in any of our branch locations at no additional cost. This account has a $50 minimum balance to open, no monthly service charge, and pays interest. Personal accounts only, limit one account per household

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.

2Customer purchases checks.

3Other fees apply for example: monthly Point of Sale (POS) charge and use of (non-F&M Bank) ATMs.

For terms and conditions, account information, and a list of fees and charges that may apply, please refer to our Customer Agreement & Schedule of Charges, Books I & II.

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