Personal Checking

Worry-FREE Checking®

¹Free checking describes that the account has no monthly service or maintenance fees; other fees such as non-sufficient funds, overdraft, foreign (non-F&M) ATM surcharge, etc. may apply.

²Ask your banker for information on the terms and conditions of these services.

Effective 4/1/2021. Refer to the Customer Agreement & Schedule of Charges, Books I & II, for additional information on account terms and fees.

Ultimate Checking

¹Ask your banker for information on the terms and conditions of these services.

Effective 4/1/2021. Refer to the Customer Agreement & Schedule of Charges, Books I & II, for additional information on account terms and fees.

Ultimate High Yield Checking®

¹Ask your banker for information on the terms and conditions of these services.

Effective 4/1/2021. Refer to the Customer Agreement & Schedule of Charges, Books I & II, for additional information on account terms and fees.

Sky Blue Checking™ 

¹No Monthly Service Charge refers to a recurring monthly account service charge or account maintenance fee; other fees and charges may apply, such as a $1.50 monthly Point of Sale (POS) fee per statement cycle, if used.

This information is effective 4/1/2021 and subject to change anytime without notice.

Teen Checking

¹No Monthly Service Charge refers to a recurring monthly account service charge or account maintenance fee; other fees and charges may apply. Other fees apply for example: dishonored transactions due to insufficient funds and use of non-F&M Bank ATMs.

²This is a non-interest-bearing account for Consumer Customers between the ages of 13-17. The Teen Checking account must be opened in-branch only, and be owned jointly by a minor and an adult. Upon reaching the age of 18, the account will be converted to a Worry-FREE Checking^® account

Effective 4/1/2021. Refer to the Customer Agreement & Schedule of Charges, Books I & II, for additional information on account terms and fees.