Online & Mobile Banking Scheduled Downtime: Due to system maintenance, online and mobile banking access will be intermittent between 7:00 pm September 23rd to 7:00 am September 25th. We apologize for any inconvenience! Personal checking accounts from F&M Bank allow you to reach your goals regardless of which phase of life you’re in. Want to maximize savings, travel, or simply need an account to manage your day-to-day finances? We have an account for you. We’re honored to be part of your financial journey and take our role in providing you with the best banking solutions seriously. Need a free basic checking account? We’ve got you covered! Looking for a little extra? Qualifying for rewards has never been easier! Forget the days of needing to meet multiple requirements to benefit from your account; these accounts only require one qualifier to receive the benefits. Need some help? Our friendly local team educates you on your options and assists you in finding the right account. Review your options below and call or visit one of our convenient branch locations to speak with an experienced professional today:
| Cash Reward Checking | Cash Back Checking | No Frills Checking | |
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| Cash Reward Checking | Cash Back Checking | No Frills Checking | |
Ideal For  | Those looking to grow their checking account balance. | Those looking for a simple cash back option. | Those looking for a free, standard checking option. |
| Monthly Fee | None | None | None |
| Minimum To Open | $10.00 | $10.00 | $10.00 |
| ATM Fees | None | None | No fee charged by Farmers & Merchants Bank for ATM transactions at other banks’ ATMs. Other ATM Owners may charge a fee |
| Free Checks | No | No | Yes – Your first order of 50 personally imprinted checks are provided free of charge |
| Check Writing | Unlimited | Unlimited | Unlimited |
| Bill Pay | Free Online | Free Online | Free Online |
| Rewards |
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| Identity Theft Protection |
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FDIC Insurance Secures Your Money With F&M Bank.
When you bank with F&M your deposits are insured by FDIC for up to $250,000. For customers participating in the Certificate of Deposit Registry Service (CDARS) network, F&M Bank provides coverage up to $50 million. Simplify banking by keeping all your accounts in one location with coverage you can depend on.
Compelling Service From Friends & Neighbors Is The F&M Way.
We combine web based banking and traditional storefront banking to give our clients the best of both worlds. Manage your accounts online or receive personal service from one of our local professionals to guide you through your banking experience. On-site safe deposit boxes and in-house notary services provide value and convenience as you keep your affairs in order. Are you ready to open your checking account today?
