F&M Bank and Trust Checking
F&M Bank and Trust has a checking account to suit all of your needs. Come by today and find a checking account that will work for you.



Regular Checking
Minimum balance required to open this account is $50.00. There is a $5.00 service charge if the balance falls below $500.00. Checks images are
returned monthly. This account does not earn interest.

Basic Checking
Minimum balance required to open this account is $50.00. There is no monthly service charge and no minimum balance required. The account does not earn interest or receive checks images.

Business Checking for Businesses and Corporations
Minimum balance required to open this account is $50.00. There is a $5.00 monthly maintenance with a $.05 per item credit fee and $.10 per item debit fee. Checks images are returned monthly.

Money Market Accounts
Minimum balance to open this account is $2,500.00. There is a $10.00 monthly service charge if the balance falls below $2,500.00. Interest is credited monthly. No interest earned on balances of less than $500.00. (Federal regulations limit transfers/withdrawals to six per calendar month, no more than three of which may be third party.)

*APY - Annual Percentage Yield as of March 20, 2008.

NOW Accounts
Minimum balance required to open this account is $500. There is a $7.00 monthly service charge if the balance falls below $500. Interest is credited
monthly. Check images are returned monthly.

Safekeeping NOW Account
Minimum opening amount is $500. Interest Rate 1.00% (APY 1.01%) Interest is accrued daily and credited monthly on statement date. No interest is paid on balances below the minimum.

Savings Accounts
Minimum opening balance is $100. Interest Rate 0.75% (APY 0.75%) No interest is accrued if your balance falls below $100. Fees could reduce the earnings on the account.

Visit an F&M Bank office near you to set up your own checking or savings account.