Good habits are best learned early. Teach your teen the banking basics with a hands-on account.

Key Features

  • No Monthly Service Charge1
  • No Minimum Balance Requirements
  • Visa® Debit Card
  • No monthly service charge1
  • No minimum balance requirements
  • Exclusive checking account for teens age 13 to 172
  • Helps your young one learn the basics of money management
  • Converts to Worry-FREE Checking® account when owner turns 18
  • Free online and mobile banking services, including3:
    • Free bill pay
    • Free mobile deposit
    • Free eStatements
  • Includes Visa® debit card
  • No fee for use of F&M Bank ATMs3
  • $25 minimum deposit to open

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: 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

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

Effective 7/1/2022. Refer to the Customer Agreement & Schedule of Charges, Books I & II, for additional information on account terms and fees.