Personal Banking Checking Accounts

$250 Checking Bonus

  1. Open A New Express Checking or VIP Interest Checking Account

    with a $100 minimum deposit.  Whatever services and features you desire, F&M has the Checking account to fit your lifestyle!  To open an Express Checking or VIP Interest Checking account, simply stop by an F&M location that’s most convenient for you.  $50 bonus cash will be added to your balance at the time of account opening.

  2. Set Up a Recurring Direct Deposit

    of $500 or more within 30 days of account opening, such as a direct deposit of payroll check, pension or social security check.  $200 will be deposited to your account when the initial direct deposit(s) totaling the minimum of $500 is received and posted to your account.  

  3. Enjoy Checking with F&M!

    Find out how different we are from your bank in taking great care of you – and YOUR MONEY – with either of these Checking Accounts! In addition to this attractive limited time offer, you will enjoy the following SMART CHOICE “extras”:

Compare Checking Accounts:

Express Checking  VIP Interest Checking


*To receive the full $250 bonus (1) open the checking account with a minimum deposit of $100 and (2) set up a qualifying, monthly recurring direct deposit or deposits totaling $500 or more within 30 days of account opening. Checking account must be opened with funds NOT on deposit at F&M Bank and direct deposit cannot draw from an F&M account. Bonus will be paid as follows: (1) $50 will be added to your balance at the time of account opening, (2) $200 will be deposited when the first monthly direct deposit(s) totaling the minimum of $500 is received and posted to your account. Cannot be combined with other checking offers. Limit one bonus per household. Not available for existing F&M checking account customers or customers with checking accounts that have been closed by F&M within the last 12 months. Bonus will be reported as interest income on FORM1099-INT.  VIP Interest Checking is a variable rate account with an interest rate of .15%//15% APY (Annual Percentage Yield) earned on total balance and compounded monthly.  An $8 maintenance fee may be avoided per statement cycle with a $500 minimum dily balance or direct deposit posted to the account per statement cycle.  Fees may reduce earnings.  Limited time offer.