FDIC-Insured - Backed by the full faith and credit of the U.S. Government
F&M Bank
Merchant service tap & pay.

Basic Checking

A simple checking account that fits everyday banking.

Basic Checking gives you the essentials you need, without monthly service charges. You’ll have convenient digital tools, a Visa® debit card, and access to local expertise, all backed by a community bank you can trust.

 






Straightforward. Flexible. No monthly fee.

With Basic Checking, managing your money is easy and affordable. Handle daily transactions, pay bills,
and access your accounts digitally while keeping more of your money where it belongs.
$10 minimum deposit to open

No monthly service charge


Free Mobile Banking and mobile check deposit

Free Visa debit card for everyday purchases*

Free e-statements ($2 for mailed statements)

Access to a nationwide ATM network

Access to F&M Bank's Financial Health Suite

Complimentary consultations with F&M Mortgage and Financial Services Advisors**










Disclosures
* Free Visa debit card for everyday purchases
** Complimentary consultations with F&M Mortgage and Financial Services Advisors in Shenandoah Valley, Virginia







Online account opening.



iOS and Android Users

Download the F&M Bank app on your mobile device.

Ready to get started?

Open your new account in just a few minutes. Secure, seamless, and designed to fit your life. Banking the way it should be.