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Personal Checking

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 $50 $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
Unlimited Check Writing Check Check Check Check
Easy to Balance Monthly Statements Check Check Check Check
Online Banking Free Free Free Free
Online Bill Pay Free Free Free Free
Mobile Banking Free Free Free Free
Visa Debit Card Check Check Check Check
ATM Transactions Check Check Check Check
eStatements* Check Check Check Check
Check Images with Statements NA Check Check NA
Combined Statements Check Check Check Check
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

 

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** Click here for the Funds Availability Disclosure