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Other Services

F&M Bank provides many different savings and spending options so you can invest your money how works best for you and have access to it when needed.

 

Fee Schedules

Fee Schedule Accounts

Charges for Products and Services Effective January 22, 2019.

Personal Checking Accounts

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Fees

Smart Free Checking

None

50+ Interest Checking

None

VIP Interest Checking

$8 per statement cycle

Maintenance fee can be avoided with Direct Deposit or if a minimum daily balance of $500 or more is maintained.

Choice Interest Checking

$8 per statement cycle

Maintenance fee can be avoided if a minimum daily balance of $2,500 or more is maintained.

Savings and Investment Accounts

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Fees

Smart Savings

Smart Savings $12 per month

Maintenance fee can be avoided if a minimum daily balance of $100 is maintained.

$2 for each withdrawal/transfer over 6 per month

Youth Savings

$2 for each withdrawal/transfer over 6 per month

Certificates of Deposit

Penalty for early withdrawal equals 180 days interest on the outstanding principal balance.

On CDs 6-12 months, penalty equals 90 days interest on the outstanding balance.

On 3 month CDs, penalty equals 30 days interest on the outstanding balance.

Choice Money Market Accounts

$12 per statement cycle

Maintenance fee can be avoided if a minimum daily balance of $2,500 or more is maintained.

$15 will be assessed for each withdrawal/transfer over 6 per statement cycleMaintenance fee can be avoided if a minimum daily balance of $2,500 or more is maintained.

Health Savings Account

$25 Setup Fee

Business Checking Account Services

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Fees

ACH

Same Day ACH Credit File - 5 cents per credit entry

Unauthorized ACH Return - $4.50 per return

Remote Deposit Capture

$100 annual scanner fee

$30 monthly service fee

Money Service Business/Cash Management

$300 (minimum)

Miscellaneous

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Fees

ATM Transactions

(Balance Inquiry, Withdrawal, Transfer* and Declined Transaction)

None with use of F&M ATMs

$2.50 (F&M VISA Travel Card at Domestic or Foreign ATMs)

ATM Fees will be refunded up to $20 per statement cycle.

*Transfer does not apply to F&M VISA Travel Cards

Non-Sufficient Funds Items (NSF)

$37 per item, paid or unpaid ($185.00 maximum charge per day)

Overdraft

$37 per item ($185.00 maximum charge per day)

Continued Overdraft Fee

$7 per business day account balance is negative

(Charge stops after 35 consecutive days overdrawn)

Overdraft Protection

$7 per transfer

Stop Payment/Stop Payment Renewal

$35 per item

Returned Deposited Item

$6 per item

Re-run Returned Deposited Item

$3 per item

Wire Transfers

$20 for domestic (outgoing)

$50 for international (outgoing)

Account Balancing Assistance

$20 per hour

Account Activity Re-prints (Statements/Checks/Deposits)

$5 per complete statement

$1 per interim statement

$1 per item copied

Online & Mobile Banking with Bill Pay

Online Banking - Rush Payment

$19.95 - Check payment next business day

$14.95 - Check payment second business day

$4.95 - ACH payment second business day

Dormant Account Fees

$25 for account closed within 90 days of opening

Garnishments/Tax Levys

$50 per occurrence

Check Collection

$25 per item

Cashiers Checks (Customers Only)

$7.50

Money Orders

$5.00

MyChoice Photo Debit Card

$9.95 per card

Visa Gift Card

$5.00

Visa Travel Money

$9.95
($6.00 F&M Service Fee and $3.95 Harland Clarke Fee; $2.50 ATM Service Charge)

Night Deposit Bag with Lock & Key

$20 per bag

ATM/Checkcard Replacement

$15

$60 - Rush Order (3-4 business days from order date)

Safe Deposit Box Fees

$150 Drill Safe Deposit Box

$50 Replace Deposit Box Key

Annual Fees: $23 / $25 / $35 / $45 / $55 / $65

Contact an F&M Customer Service Representative for Box Sizes and Rental Fees

Photocopies

$1.00 per copy

Check-by-Phone

$15.00 per payment

*All fees and minimum balances subject to change.

Debit Card

The F&M Bank Debit Card services are supported by Visa®. This allows you to make a simple swipe of your F&M Visa® Debit Card instead of writing checks or using cash...anywhere Visa® is accepted.

Card Features

Visa® Debit Card

Make a simple swipe of your F&M VISA® Debit Card instead of writing checks or using cash... anywhere VISA® is accepted you have access to your checking account.

If you’re currently using your VISA® Debit Card for ATM cash withdrawals and deposits only, you’re missing out on the many benefits of using it for point of sale purchases!

Use Your VISA® Debit Card Like Cash Because:

  • It’s easier than writing a check
  • There’s no approval process at the time of purchase
  • It’s more convenient to carry than checks
  • You save money by not having to reorder checks as often
  • You have no fee for using it at most stores. View Fees
  • You can have a daily point of sale limit up to $1,000*
  • Your daily ATM withdrawal limit is $300*

Want to Raise Your Limit ... Planning a vacation? Looking to purchase new appliances for your home or redecorating? Ask an F&M Bank representative today about raising your daily point of sale limit or ATM withdrawal limit if applicable.

* Subject to the balance in your account plus Overdraft Privilege.

Benefits Included with any F&M Visa® Debit Card

All F&M Visa® Debit Cards come with access to these great benefits. Be sure to register your card with these providers to take advantage of all the valuable benefits below:

Personalize Your Card with a MyChoice Photo Debit Card

All F&M Checking Accounts come with a FREE standard Visa® Debit Card. But if you want to PERSONALIZE your Debit Card … we give you TWO great choices! Best of all, you can complete your debit card personalization online.

Select Your Style and Personalize for Only $9.95.

Add an additional level of security to your Debit Card purchases by adding an ID photo to your card. Just follow these image guidelines: Select a recognizable headshot of yourself (no cap or sunglasses) to place in the upper left-hand corner of your card. You can individualize your card even further by selecting from one of many stock background images when designing your card.

Show off family, pets, a great vacation shot, or a silly camera moment with a big bold edge-to-edge photo on your MyChoice Debit Card. Chose a personal photo from your digital collection for a highly personalized card that will give you bragging rights and start conversations each time you shop!

Subsequent reissues of your MyChoice Photo Debit Card, whether reissued due to the card being lost or stolen, or if the card expires, will be issued with the image previously uploaded and your account will be charged $9.95 for each card. Cards are reissued under normal use every two years.

Want to Cancel Future Reissues of Your MyChoice Photo Debit Card?

Request by secure email that F&M Bank discontinue the automatic renewal of your MyChoice Photo Debit Card at the end of the card term. Please complete all fields in the form and indicate you wish to cancel your photo debit card in the comments section. Please also include the last four digits of your Social Security number.

Further Questions?

Debit Card Frequently Asked Questions:

  • If I am replacing an existing F&M debit card with a new MyChoice Photo Debit Card, what do I need to do with my old F&M Debit Card?
    • Once you receive your new photo image card, you should destroy your old card to ensure that you don’t accidentally try to use it again. Your old F&M debit card will be deactivated 30 days from the date you order your MyChoice Photo Debit Card.
  • When will my new MyChoice Photo Debit Card arrive?
    • You will receive your card by mail approximately 2-3 weeks from the day you place your order.
  • Do I need to change automatic payments I currently have established with my current F&M Debit Card number?
    • Yes. A new number will be assigned to your new card. Once your receive your new MyChoice Photo Debit Card, your old card and card number will no longer be valid.
  • My spouse and I both have Debit Cards on our joint account. Can we each have different images? Can we both have the same image?
    • It’s your choice! You can both have the same image or different images. Each card order must be ordered separately and will track to the card number. Whether you choose the same image for two separate cards or two different images for two separate cards, you will be billed $9.95 for each MyChoice Photo Debit Card ordered.
  • Can I use more than one personal photo on my card?
    • No. You can only choose one photo, either for an inset photo or edge-to-edge photo.
  • How will I be charged for my new MyChoice Debit Card?
    • Your checking account will be charged $9.95 each time you order a new MyChoice Photo Debit Card, unless your checking account or other F&M promotion allows you to get your first MyChoice Debit Card free.
  • How often can I update my photo?
    • You can update your photo at any time and as often as you like. Just remember that your checking account will be charged $9.95 for each new MyChoice Photo Debit Card.
  • What should I do if I lose my Debit Card or it gets stolen?
    • Always safeguard your F&M Debit Card to make sure no unauthorized purchases can be made to your account. If it’s lost or stolen, call Visa IMMEDIATELY at 800-554-8969. It is also important to report this issue to the bank. During business hours, call 931-645-2400 or 800-645-4199. You can also send a secure email message to our Customer Service Department using the Secure Email Form on the Contact Us page of this website.
  • What if I need help creating my photo card design or have additional questions?
    • Call any F&M office and talk to a customer service representative, or call 800-645-4199.

uChoose Rewards

Earn points towards merchandise, travel or cash for the purchases you make!

Take advantage of our F&M debit card rewards program!

UChoose Rewards® delivers more reward choices than ever! Choices such as … electronics, merchandise, travel options, restaurant and merchant gift cards, cash back, coupons and more!

How Does it Work?

First, you must register your F&M debit card(s) for UChoose Rewards program. Next, select “credit” and sign your transactions to earn UChoose Points when making purchases with your F&M debit card.

  • Earn 1 point per $2 spent on all signature transactions with your F&M Bank VISA® debit card
    Finally, redeem your points for the UChoose Reward of your choice.

Everything you need, from registration to redemption, will be available on uchooserewards.com

  • Earn even MORE points when you shop at participating retailers through www.uchooserewards.com.
  • Find a complete list of in-store and online-only retailers, and an access search tool. Don’t forget to search for local merchants.
  • Select from a full online catalog of redemption options.
  • Create a “Wish List” to track the items you really want.
  • Receive smart shopping advice to help you spend your points wisely … and much more!

Need more information? Stop by your local F&M office or call Customer Service 800-645-4199 (931-645-2400 for Clarksville - Montgomery County, TN residents).

REGISTER TODAY!

CardValet

CardValet® helps you manage your finances by controlling how, when and where cards are used through your mobile device.

CardValet lets you:
  • Turn your debit card on and off
  • Establish transaction controls for dollar amount limits, merchant categories and geographic locations
  • Receive alerts when your debit card is used, approved or exceeds the transaction controls set by you
  • Stay informed of potential fraud with alerts on attempted, declined transactions
  • Get real-time balances for your accounts

Download the mobile app that lets you control debit card usage and spending on the go!  Learn more at CardValet.com

Apple Pay Icon        Google Play Icon

Benefits of CardValet:

  • Control Spending
    • If you’re trying to establish or stick to a budget, CardValet® can help. Set spending limits for general use or specify thresholds by merchant types, such as gas, groceries or retail stores. You can also establish these controls by location. The flexible app lets you change these parameters anytime with ease via your mobile device. Going on vacation? Holiday shopping? Simply update your transaction controls to fit your spending needs.
  • Fraud Protection
    • A lost or stolen card is just one area of concern in today’s world where Identity theft, skimming and other attacks are an unfortunate reality. Turning your debit card off when you’re not using it helps safeguard against fraud. When your card is “off,” no withdrawals or purchases will be approved. Transaction controls that allow your debit card to work only in specific locations or geographic areas, add another layer of protection. And real-time alerts keep you informed when your card is used or declined.
  • Business Use
    • CardValet is a great tool for controlling business spending on a debit card. Use the transaction controls for merchant codes, location and thresholds to ensure employee spending adheres to your company policies.
  • Review Balances and Transactions
    • Monitor your finances from anywhere. Use the CardValet app to check your account balances.

CardValet is a registered trademark of Fiserv, Inc. or its affiliates.

Mobile Wallet

Your Wallet Just Got Smarter

PURCHASING HAS NEVER BEEN EASIER. 

Now you can use Apple Pay™, Google Pay™ or Samsung Pay™ with your F&M Visa® Debit Card to pay quickly and conveniently at checkout in stores, online and for in-app purchases.

MW-Fast   MW-Convenient   MW-Secure
FAST   CONVENIENT   SECURE
No more fumbling and forgetting your card - your mobile wallet is ready to use.   Mobile wallet payments are accepted at a growing number of merchants, in apps and online.   Your card number is never exposed to merchants, keeping your transactions safe.

GETTING STARTED IS EASY

Simply choose your preferred mobile wallet and get started today.

APPLE PAY™ GOOGLE PAY™ SAMSUNG PAY™

Apple Pay is a trademark of Apple Inc., registered in the U. S. and other countries. Google Pay is a trademark of Google LLC. Samsung Pay is a registered trademark of Samsung Electronics Co., Ltd. Third party message and data rates may apply.

 

Other Services

F&M Bank offers many types of products and services to fulfill your personal banking needs. With various checking, spending, and savings accounts, we have the options you need for full-service banking.

Products & Services

Direct Deposit

Why bother standing in line to cash or deposit your payroll, Social Security, or retirement check? Instead, have them electronically deposited directly into your F&M Bank account so funds are immediately available for withdrawals, loan payments, and other transactions.

Electronic payments make it easier for you and your employer each time you get paid. There is no transfer fee for you to get paid with direct deposit. Depending on how you file your taxes, it is also possible to get tax refunds deposited directly in a checking or savings account.

Visa Debit Card

All F&M Bank personal and business checking accounts come with a FREE Visa Debit Card. Make a simple swipe of your F&M Visa Debit Card instead of writing checks or using cash... anywhere Visa is accepted. Many businesses no longer accept written checks, so a debit card will allow you access to your cash without making a trip to the bank or ATM.

You won't get charged a fee for a debit card transaction and have the ability to check your account balance online or with our mobile app. Debit cards can also make it a little easier to pay bills without having to remember your account number or routing number.

LEARN MORE

Visa Credit Card

Our VISA credit card offers a fast and easy way to pay. Using credit lets you buy what you need now and pay later on a single monthly bill. You can even pay using your F&M linked accounts. It's widely accepted around the world at millions of restaurants, stores, and other locations displaying the VISA logo (application approval is required). Personal and Business cards are available.

Your limits and interest rates may be determined by your credit score. Paying a credit card on time each month will put you in good standing with creditors and help raise your credit score.

Visa Gift Card

Gift cards are the only gift that's guaranteed to please. They're welcome anywhere Visa® debit cards are accepted. You choose the amount. We load the cards in seconds. The recipient can choose where to go and what to buy. It's that easy! (Purchase fee of $5).

Visa TravelMoney®

Your TravelMoney Card is a prepaid reloadable Visa® debit card which offers you a safe and convenient alternative to traveler’s checks and cash. It is a simple and smart way to carry, use, and budget your travel funds. The TravelMoney Card works just like a Visa debit card allowing signature and POS purchases as well as ATM access.

You can reload your Visa TravelMoney Card with additional funds and continue to use it at any merchant worldwide that accepts Visa debit. Whether your travel takes you abroad or close to home you can experience the safety and convenience of your Visa TravelMoney Card. (Purchase fee of $9.95)

Overdrafts

It is the policy of F&M Bank to comply with applicable laws and regulations and to conduct business in accordance with applicable safety and soundness standards. We cover a transaction and pay overdrafts at our discretion, which means we do not guarantee that we will always authorize and pay any type of transaction.

We can cover your overdrafts in two different ways: 1) We have standard overdraft practices that come with your account; and 2) We offer overdraft protection plans: Savings Account Link and Cash Reserve Line of Credit). See our Overdraft Privilege Program Disclosure for full information. If you are ever unsure if you have sufficient funds, you can check your balance on your phone before an overdraft occurs.

 

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We are here to help.

Call us 800-645-4199

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Personalization Settings

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Welcome

F&M Bank would like to personalize your banking experience. Please enter your first name below.

Please do not remind again

This level of personalization will not lead to the sale of your name or leak your identity. The information you provide will only be stored on your computer and will not be transferred to any other source.

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