We Have A Checking Account For Everyone.

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 CheckingCash Back CheckingNo Frills Checking
Cash Reward CheckingCash Back CheckingNo Frills Checking
Ideal For table arrowThose 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 table arrowNoneNoneNone
Minimum To Open table arrow$10.00$10.00$10.00
ATM Fees table arrowNoneNoneNo fee charged by Farmers & Merchants Bank for ATM transactions at other banks’ ATMs. Other ATM Owners may charge a fee
Free Checks table arrowNoNoYes – Your first order of 50 personally imprinted checks are provided free of charge
Check Writing table arrowUnlimitedUnlimitedUnlimited
Bill Pay table arrowFree OnlineFree OnlineFree Online
Rewards table arrow
  • 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

Identity Theft Protection

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?

Have Questions? Get In Touch

phone icon540-896-8941