fbpx
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. Review your options below and call or visit one of our convenient branch locations to speak with an experienced professional today:

Basic Checking

Those needing a standard checking account.

Cash Back

Those needing cash-back rewards with lower balance requirements.

Cash Back Plus

Those who are looking for bigger rewards, carry a higher balance, and love to travel.

Ideal For table arrow Those who are looking for bigger rewards, carry a higher balance, and love to travel.
Cash Back table arrow Yes
Up to $10 cash back per month
(Every $200 spent earns $1 back).
Minimum To Open table arrow $10.00
Interest table arrow Yes
Earn 1.00% APY (Annual Percentage Yield) on your daily balance.
ATM Waivers table arrow Yes
Non-F&M Bank ATM fee waivers up to $18.
Free Additional Accounts table arrow 4
Additional Account Benefits table arrow Free Online & Mobile BankingFree Visa Debit Card

Free e-statements ($2 for mailed statements)

Free consultation with an F&M Mortgage Advisor

Free consultation with an F&M Financial Services Advisor

Balance Requirements table arrow $5,000
Waivers (Only One Required) table arrow Only one of the below requirements must be met to avoid the monthly fee.Set up and maintain direct deposit into your Cash Back Plus Checking Account
-or-

Maintain a minimum daily balance of $5,000 or more
-or-

Maintain F&M Savings Account, Money Market Account, or Christmas Club account
-or-

Maintain a personal loan or Home Equity Line of Credit with F&M Bank

Maintenance Fee table arrow $14.95 if one of the account waivers listed above are not met.
Ideal For table arrow

Those needing cash-back rewards with lower balance requirements.

Cash Back table arrow Yes
Up to $10 cash back per month
(Every $200 spent earns $1 back).
Minimum To Open table arrow $10.00
Interest table arrow No
ATM Waivers table arrow Yes
Non-F&M Bank ATM fee waivers up to $9.
Free Additional Accounts table arrow 2
Additional Account Benefits table arrow Free Online & Mobile Banking

Free Visa Debit Card

Free e-statements ($2 for mailed statements)

Free consultation with an F&M Mortgage Advisor

Free consultation with an F&M Financial Services Advisor

Balance Requirements table arrow $1,500
Waivers (Only One Required) table arrow Only one of the below requirements must be met to avoid the monthly fee.

Set up and maintain direct deposit into your Cash Back Plus Checking Account
-or-

Maintain a minimum daily balance of $1,500 or more
-or-

Maintain F&M Savings Account, Money Market Account, or Christmas Club account
-or-

Maintain a personal loan or Home Equity Line of Credit with F&M Bank

Maintenance Fee table arrow $9.95 if one of the account waivers listed above are not met.
Ideal For table arrow

Those needing a standard checking account.

Cash Back table arrow No
Minimum To Open table arrow $10.00
Interest table arrow No
ATM Waivers table arrow No
Free Additional Accounts table arrow 0
Additional Account Benefits table arrow Free Online & Mobile Banking

Free Visa Debit Card

Free e-statements ($2 for mailed statements)

Free consultation with an F&M Mortgage Advisor

Free consultation with an F&M Financial Services Advisor

Balance Requirements table arrow $0.00
Waivers (Only One Required) table arrow No strings for this free account.
Maintenance Fee table arrow $0.00
Basic CheckingF&M Cash Back CheckingF&M Cash Back Plus
Basic CheckingF&M Cash Back CheckingF&M Cash Back Plus
Ideal For table arrowThose needing a standard checking accountThose needing cash-back rewards with lower balance requirements. Those who are looking for bigger rewards and carry a higher balance.
Cash Back table arrowNoYes
Up to $10 cash back per month
(Every $200 spent earns $1 back).
Yes
Up to $10 cash back per month
(Every $200 spent earns $1 back).
Minimum To Open table arrow$10.00$10.00$10.00
Interest table arrowNoNoYes
Earn 1.00% APY (Annual Percentage Yield) on your daily balance.
ATM Waiverstable arrowNoYes
Non-F&M Bank ATM fee waivers up to $9.
Yes
Non-F&M Bank ATM fee waivers up to $18.
Free Additional Accounts table arrow024
Additional Account Benefits table arrowFree Online & Mobile Banking

Free Visa Debit Card

Free e-statements ($2 for mailed statements)

Free consultation with an F&M Mortgage Advisor

Free consultation with an F&M Financial Services Advisor

Free Online & Mobile Banking

Free Visa Debit Card

Free e-statements ($2 for mailed statements)

Free consultation with an F&M Mortgage Advisor

Free consultation with an F&M Financial Services Advisor

Free Online & Mobile Banking

Free Visa Debit Card

Free e-statements ($2 for mailed statements)

Free consultation with an F&M Mortgage Advisor

Free consultation with an F&M Financial Services Advisor

Balance Requirements table arrow$0.00$1,500$5,000
Waivers (Only One Required) table arrowNo strings for this free account.Only one of the below requirements must be met to avoid the monthly fee.

Set up or maintain direct deposit into your Cash Back Checking Account
-or-

Maintain a minimum daily balance of $1,500 or more
-or-

Maintain F&M Savings Account, Money Market Account, or Christmas Club account
-or-

Maintain a personal loan or Home Equity Line of Credit with F&M Bank

Only one of the below requirements must be met to avoid the monthly fee.

Set up and maintain direct deposit into your Cash Back Plus Checking Account
-or-

Maintain a minimum daily balance of $5,000 or more
-or-

Maintain F&M Savings Account, Money Market Account, or Christmas Club account
-or-

Maintain a personal loan or Home Equity Line of Credit with F&M Bank

Maintenance Fee table arrow$0.00$9.95 if one of the account waivers listed above are not met. $14.95 if one of the account waivers listed above are not met.

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