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F&M Bank

Compare Checking

Find Your Perfect Checking Account


Multi generational gals.

Compare your checking account options to find the right fit.

At F&M Bank, you can manage your money the way you want with one of our three checking accounts. Choose a straightforward account that delivers the essentials, or go for one of our two cash back checking accounts. All our accounts come with a Visa® debit card and access to all the digital banking tools you need through Online Banking and our Mobile Banking App, including our Financial Health Suite.
Standard Account

Basic Checking

This account provides the essentials, without monthly service charges.
Cash-back Rewards

Cash Back Checking

Every debit card purchase earns cash back, up to $10 a month.
Bigger Rewards

Cash Back Plus

Get cash back with every debit card purchase and earn interest on your balance.


























































Let's Take a Closer Look

 
  Basic Checking Cash Back Checking Cash Back Plus
Ideal For Those needing a standard checking account Those needing cash-back rewards with lower balance requirements. Those who are looking for bigger rewards and carry a higher balance.
Cash Back No Yes
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 $10.00 $10.00 $10.00
Interest No No Yes
Earn 1.00% APY (Annual Percentage Yield) on your daily balance.
ATM Waivers No Yes
Non-F&M Bank ATM fee waivers up to $9.		 Yes
Non-F&M Bank ATM fee waivers up to $18.
Free Additional Accounts* 0 2 4
Additional Account Benefits
Balance Requirements $0.00 $1,500 $5,000
Waivers** No strings for this free account.
  1. Set up or maintain direct deposit into your Cash Back Checking Account
  2. Maintain a minimum daily balance of $1,500 or more
  3. Maintain F&M Savings Account, Money Market Account, or Christmas Club account as the Primary Accountholder
  4. Maintain a personal loan or Home Equity Line of Credit with F&M Bank as the Primary Borrower
  1. Set up and maintain direct deposit into your Cash Back Plus Checking Account
  2. Maintain a minimum daily balance of $5,000 or more
  3. Maintain F&M Savings Account, Money Market Account, or Christmas Club account as the Primary Accountholder
  4.  Maintain a personal loan or Home Equity Line of Credit with F&M Bank as the Primary Borrower
Maintenance Fee Fee $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.
 
* For primary accountholders only
** Only one required



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