Enjoy our best rates on your checking balance, plus plenty of perks for saving you money1.

Key Features

  • Premium Interest
  • Unlimited Check Writing1
  • Online & Mobile Banking6
  • Overdraft protection available1
  • No fee for use of F&M Bank ATMs1
  • Unlimited check writing1
  • Access our best interest rates and make the most of your money
  • Avoid the $10 monthly service charge by maintaining an average daily balance of $5,000 or more2
  • Includes the following exclusive services:
    • 50% off current safe deposit box pricing3
    • 1 free cashier’s check per statement cycle
    • Free initial order of checks; subsequent orders free to accountholders 50 years and older4
    • Up to $20 refunded in ATM surcharges from other financial institutions per statement cycle5
    • No F&M Bank surcharge for use of foreign ATMs
  • Free online and mobile banking services, including6:
    • Free eStatements
    • Free Bill Pay
    • Free Mobile Check Deposit7
  • Includes Visa® debit card
  • $50 minimum deposit to open

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

2Other fees such as overdraft, foreign (non-F&M Bank) ATM surcharge, etc. may apply.

3Safe 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.

4Free checks must be ordered through F&M Bank's check printer of choice. For all check orders, customer pays tax, shipping, and tracking charges.

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 foreign ATM fees from (non-F&M Bank) 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, foreign 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.

6 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.

7 Some restrictions will apply and funds from a mobile deposit are not available for immediate use. 

Effective 10/1/2023. Refer to the Customer Agreement & Schedule of Charges, Books I & II, for additional information on account terms and fees.