No monthly service charge, no problem. Enjoy everything you need to bank, worry free.1

Key Features

  • No Monthly Service Charge1
  • No Minimum Balance Requirements
  • Online & Mobile Banking2
  • Free, everyday checking with everything you need1
  • No monthly service charge
  • No minimum balance requirements
  • Free online and mobile banking services, including2:
    • Free eStatements
    • Free Bill Pay
    • Free Mobile Check Deposit3
  • Unlimited check writing4
  • Includes Visa® debit card
  • No fee for use of F&M Bank ATMs4
  • $50 minimum deposit to open

1Free checking describes that the account has no monthly service or maintenance fees; other fees such as overdraft, foreign (non-F&M Bank) ATM surcharge, etc. may apply.

2 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.

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

4Ask 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.