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
  • Unlimited check writing2
  • Free online and mobile banking services, including2:
    • Free bill pay
    • Free mobile deposit
    • Free eStatements
  • Includes Visa® debit card
  • No fee for use of F&M Bank ATMs2
  • $50 minimum deposit to open

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

2Ask your banker for information on the terms and conditions of these services.

Effective 4/1/2021. Refer to the Customer Agreement & Schedule of Charges, Books I & II, for additional information on account terms and fees.