Checking Accounts

Personal Checking

F&M Checking

Need a little more protection? Then this checking account is right for you. You get unlimited check writing, a free ATM/debit card, and an available $500 in overdraft protection (normal overdraft fees apply). And it’s all free, as long as your daily balance doesn’t fall below $600! (service fee of $6 a month applied if daily balance falls below $600 and day of the statement cycle)

Ultimate Free Checking

Really? Free? Really? Yes, really. At F & M Bank, our Ultimate Free Checking has absolutely no monthly service fee. You don’t have to maintain a minimum monthly balance and you can write as many checks as you need. Even the ATM/debit card is free! Plus this account features an available $300 in overdraft privilege. (normal overdraft fees apply) All you pay for is the checks. Never worry about entering a monthly service fee in your check register again!

Club Accounts

F&M Gold Club Account

A golden opportunity to be a part of something special, see the world with friends and attend special engagements only comes around once in a while. Actually, at F & M Bank, it happens all year long & it comes with a checking account! Write as many checks as you need, get a free ATM/debit card, free F & M logo checks (you only pay shipping & handling), an available $500 in overdraft protection (normal overdraft fees apply) & earn interest on your account. There’s NO service fee but you must have a total deposit relationship of $5000. With this club account, you’re golden! (must be 55 years of age or better to enroll in this account)

Senior Account

Free checking with better protection because you’ve earned it! No minimum balance, no service fee, unlimited check writing, free ATM/debit card and F & M logo checks (you only pay shipping & handling) and an available $500 in overdraft protection (normal overdraft fees apply). It’s a perfect fit, everything you need and nothing you don’t! (must be 62 years of age or better to enroll in this account)

Rewards & Interest

Advantage Checking

Did someone say rewards? With a list of rebates a mile long, the Advantage Checking account is jam-packed with benefits. For starters, how’s $10,000 24-hour Accidental Death Insurance? Would you also like $500 overdraft protection, (normal overdraft fees apply, protection available upon qualification) free personalized checks (you only pay shipping & handling) unlimited check writing, plus a lot more & all for only $5 a month? Of course, who doesn’t want the Advantage, especially when it comes to your finances!

NOW Account

Earn more on your checking account NOW! The NOW account features unlimited check writing, a free ATM/debit card, an available $500 in overdraft protection (normal overdraft fees apply) & you earn interest on every dime! Get it all for free by maintaining a daily balance $1,000 or more! (service fee of $10 a month applied if daily balance falls below $1000 during any day of the statement cycle)

Money Markets

F&M Money Market Account

Want growth and protection? This account offers you a place to grow your money with interest and protect it with an available $500 in overdraft protection (normal overdraft fees apply). Best of all, there’s no service fee as long your balance stays at or above $2500 (service fee of $10 if balance falls below $2500). You’re allowed 6 pre-authorized transfers per month (3 by check, draft or similar order) and you get a free ATM/debit card. With this account you can get the best of both, growth and protection! (available for personal & business accounts)

Wealth Builder Money Market Account

Grow, grow, grow your money… in a safe place that is! Get a great rate, comparable to CD’s, and have access to your money. This account features 6 pre-authorized transfers per month (3 by check, draft or similar order) and a two-tiered interest rate. Keeping a balance of $5,000 or more earns you the highest tier interest rate. You also get a free ATM/debit card. As a matter of fact, it’s all free as long as you keep a minimum balance of $2500 or more. So stop worrying about growing your money because with this account, you’re safe! (available for personal & business accounts)

Business

Business One Checking

Owning your own business is a great way to work half a day ... the hard part is choosing which 12 hours you want to work! For sole proprietors, the easy part is banking, at least when you have this free business checking account it is. This account gets you a free ATM/debit card, a free bank zip bag, no per item fee on returned deposited checks, up to 50 free debits per statement cycle (10 cents per item after 50), an available $500 in overdraft protection (normal overdraft fees apply), and as long as you keep a balance of $500 or more, it’s all free ($10 service fee if balance falls below $500 any day of the statement cycle)! Rejoice sole proprietors, controlling your financial costs just got easier because this one’s on us! (available to sole proprietors only)

F&M Business Checking

Business checking for everyone else! With this account you get a free ATM/debit card, a bank zip bag for only $3 per bag, and you get to order deposit slips at 3/4 price. This account features a 10 cent credit back for every $100 on deposit at the time of your lowest monthly balance. Service fees include a $4 per month, 10 cents per check and $1 item fee per returned deposited check.

Learn more about our Business Banking Solutions.