Mark Twain Totally Free Checking Account

Personal Banking

Personal Banking

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.

If you decide you want to open an account with us, please follow our simple instructions to switch to F&M Bank and Trust.

Basic Checking

Minimum balance required to open this account is $50. There is a $1 service charge unless you receive eStatements and no minimum balance required. The account does not earn interest or receive check images.

 

Regular Checking

Minimum balance required to open this account is $500. There is a $8 service charge if the balance falls below $500. Checks images are returned monthly. This account does not earn interest.

 

Money Market Accounts

Minimum balance to open this account is $2,500. There is a $10 monthly service charge if the balance falls below $2,500. Interest is compounded daily – paid monthly. No interest earned on balances of less than $1000. $1 per withdrawal in excess of 6 checks per monthly cycle. (Federal regulations limit transfers/withdrawals to six per calendar month.) Click Here to see our current rates.

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Safekeeping NOW Account

Minimum opening amount is $500. There is a $10 monthly service charge if the balance falls below $1,000. Interest is accrued daily and credited monthly on statement date. No interest is paid on balances below $1,000. Check images are NOT returned with statements. Click Here to see our current rates.

 

NOW Accounts

Minimum balance required to open this account is $500. There is a $10 monthly service charge if the balance falls below $1,000. Interest is accrued daily and credited monthly on statement date. No interest is paid on balance below minimum. Check images are returned monthly. Click Here to see our current rates.

All rates are subject to change at management’s discretion.

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

 

Savings Accounts

Minimum opening balance is $100. No interest is accrued if your balance falls below $250. Fees could reduce the earnings on the account. Click Here to see our current rates.

All rates are subject to change at management’s discretion.

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

 

 

Teach Children To Save

Fees could reduce the earnings on the account. Rates subject to change at Management’s discretion.