Compare Our Accounts

Free Business Checking¹

¹Free Checking describes that the account has no monthly service or maintenance fees. Other fees such as overdraft, foreign (Non-F&M Bank) ATM surcharges, etc. may apply. Minimum opening deposit is only $50.

²If transaction items exceed 500 in combined items, account may be moved to Ultimate Business Checking or Business Account Analysis, both of which have a service charge.

³If cash withdrawals and deposits exceed $10,000 per statement cycle, account may be moved to Ultimate Business Checking or Business Account Analysis.

⁴Other fees such as overdraft may apply. Please refer to our Customer Agreement & Schedule of Charges, Books I & II, for terms and conditions and a complete list of fees and charges that may apply.

⁵For new users, enrollment is required. There is no fee from F&M Bank to use Online & Mobile Banking. Internet access is required, check with your mobile carrier about fees for internet data, text messaging, or other related services. Refer to our Online & Mobile Banking End User License Agreement for more information.

⁶Ask your banker for information on the terms and conditions of these services.

This information is effective 8/1/2023 and subject to change anytime without notice.

Ultimate Business Checking

¹If transaction items exceed 750 in combined items, account may be moved to Business Account Analysis.

²If cash withdrawals and deposits exceed $20,000 per statement cycle, account may be moved to Business Account Analysis.

³For Ultimate Business Checking, the transaction service charge still applies and is not waived when the daily balance requirement is met.

⁴Other fees such as overdraft may apply. Please refer to our Customer Agreement & Schedule of Charges, Books I & II, for terms and conditions and a complete list of fees and charges that may apply.

⁵For new users, enrollment is required. There is no fee from F&M Bank to use Online & Mobile Banking. Internet access is required, check with your mobile carrier about fees for internet data, text messaging, or other related services. Refer to our Online & Mobile Banking End User License Agreement for more information.

⁶Ask your banker for information on the terms and conditions of these services.

This information is effective 8/1/2023 and subject to change anytime without notice.

Business Account Analysis Checking

¹This account is designed for business customers with high activity or who require special services. Service charges are based on the type and number of transactions processed during the monthly statement period. The activity charges for a given monthly charge cycle may be offset by an earnings credit. Ask us about the earnings credit calculation. For terms and conditions, account information, and a list of fees and charges that may apply, please refer to our Customer Agreement & Schedule of Charges, Books I & II.

²For new users, enrollment is required. There is no fee from F&M Bank to use Online & Mobile Banking. Internet access is required, check with your mobile carrier about fees for internet data, text messaging, or other related services. Refer to our Online & Mobile Banking End User License Agreement for more information.

³Ask your banker for information on the terms and conditions of these services.

This information is effective 8/1/2023 and subject to change anytime without notice.