Good habits are best learned early. Teach your teen the banking basics with a hands-on account.
Key Features
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No Monthly Service Charge1
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No Minimum Balance Requirements
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Visa® Debit Card
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 eStatements
- Free Bill Pay
- Free Mobile Check Deposit4
- Includes Visa® debit card
- No fee for use of F&M Bank ATMs5
- $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
3 For new users, enrollment is required. There is no fee from F&M Bank to use Online & Mobile Banking. Internet access is required, check with your mobile carrier about fees for internet data, text messaging, or other related services. Refer to our Online & Mobile Banking End User License Agreement for more information.
4 Some restrictions will apply and funds from a mobile deposit are not available for immediate use.
5Ask your banker for information on the terms and conditions of these services.
Effective 10/1/2023. Refer to the Customer Agreement & Schedule of Charges, Books I & II, for additional information on account terms and fees.