Checking | F&M Bank and Trust

Personal Banner


Personal Checking

We offer a variety of products to meet our customers' needs. We believe there is a Checking Account at F&M Bank that will work for everyone! And, you can simplify the opening process online account application!

  The Mark Twain Really Free Checking Regular Checking NOW Account Safekeeping NOW Account
Minimum to Open $100 $500 $500 $500
Required Monthly Minimum Balance to Avoid Maintenance Fee None $500 $500 $500
Monthly Maintenance Fee None $8 $10 $10
Earns Interest No No Yes - See Rates Yes - See Rates
Minimum to Earn Interest NA NA $1,000 $1,000
Withdrawal Fees NA NA NA NA
1st Free Debit Card
Unlimited Check Writing
Online Banking Free Free Free Free
Online Bill Pay Free Free Free Free
Mobile Banking Free Free Free Free
Visa Debit Card
1st standard card is free *see link for more information
ATM Transactions
Check Images with Statements NA
Combined Statements
24 Hour Phone Banking Free Free Free Free
Overdraft Protection Available with active Savings Account, fees do apply
Ready Cash Reserve Available based on credit approval


Click here for more Debit Card information

** Click here to sign up for eStatements

*** Click here for the Funds Availability Disclosure


Download the App

App Store Icon google play Icon

Site Map

Get Adobe Reader

Contact Us

To become better acquainted with F&M Bank and Trust Company, call us toll free at 877-221-6424 or stop in. We're here to help!

505 Broadway
PO Box 938
Hannibal, MO 63401

FaceBook Icon   Instagram Icon   Twitter Icon   Search Icon

Routing number (281573013)


©Copyright 2024 F&M Bank and Trust Company. All rights reserved.