Checking Accounts

We Have A Checking Account For Everyone.

F&M Bank offers checking accounts to meet a variety of your personal banking needs. Choose between the Kasasa Reward Checking, Kasasa Cash Back Checking, or our No Frills Checking account to find an option that works for you. 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

Ideal For	Those looking to grow their checking account balance.
Monthly Fee	None
Minimum To Open	$10.00
ATM Fees	None
Free Checks	No
Check Writing	Unlimited
Bill Pay	Free Online
Rewards	Earn 2.01% annual percentage yield on balances up to $15,000 2.01% to 0.35% APY on balances over $15,000 depending on balance in account 0.03% APY if qualifications aren’t met Qualifications Information

Cash Back Checking

Ideal For	Those looking for a simple cash back option.
Monthly Fee	None
Minimum To Open	$10.00
ATM Fees	None
Free Checks	No
Check Writing	Unlimited
Bill Pay	Free Online
Rewards	Earn 2% cash back each month on your purchases (up to $8) No category restrictions on purchases. Cash back earned up to $400 in purchases monthly Earn up to $8 cash back per month Qualifications Information

No Frills Checking

Ideal For	Those looking for a free, standard checking option.
Monthly Fee	None
Minimum To Open	$10.00
ATM Fees	No fee charged by F&M Bank for ATM transactions at other banks’ ATMs. Other ATM Owners may charge a fee.
Free Checks	Yes – Your first order of 50 personally imprinted checks are provided free of charge
Check Writing	Unlimited
Bill Pay	Free Online
Rewards	None Qualifications Information

	Cash Reward Checking	Cash Back Checking	No Frills Checking
	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	Earn 1.00% annual percentage yield on balances up to $15,000 0.10% APY on balances over $15,000 depending on balance in account 0.03% APY if qualifications aren’t met Qualifications Information	Earn 2% cash back each month on your purchases (up to $8) No category restrictions on purchases. Cash back earned up to $400 in purchases monthly Earn up to $8 cash back per month Qualifications Information	None Qualifications Information
Identity Theft Protection	Included Free Learn More	Included Free Learn More
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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.

We Partner With Kasasa To Provide Competitive Banking Options.

Our partnership with Kasasa delivers the most competitive checking account options on the market. With rewards you can depend on and free checking no matter your balance, Kasasa checking from F&M Bank is a smart choice when it comes to managing your finances.

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?