No monthly service charge, no problem. Enjoy everything you need to bank, worry free.1
Key Features
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No Monthly Service Charge1
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No Minimum Balance Requirements
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Online & Mobile Banking2
No Monthly Service Charge1
No Minimum Balance Requirements
Online & Mobile Banking2
- Free, everyday checking with everything you need1
- No monthly service charge
- No minimum balance requirements
- Free online and mobile banking services, including2:
- Free eStatements
- Free Bill Pay
- Free Mobile Check Deposit3
- Unlimited check writing4
- Includes Visa® debit card
- No fee for use of F&M Bank ATMs4
- $50 minimum deposit to open
1Free checking describes that the account has no monthly service or maintenance fees; other fees such as overdraft, foreign (non-F&M Bank) ATM surcharge, etc. may apply.
2 For 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.
3 Some restrictions will apply and funds from a mobile deposit are not available for immediate use.
4Ask your banker for information on the terms and conditions of these services.
Effective 10/1/2023. Refer to the Customer Agreement & Schedule of Charges, Books I & II, for additional information on account terms and fees.