Personal Banking Checking Accounts

Personal Checking Banner

Personal Checking

Select The Account That Fits Your Financial Style! What are your money managing habits? Do you write lots of checks? Swipe your debit card? Pay bills and reconcile your account online? Whatever your style ... whatever services and features you desire ... F&M Bank has the checking account for you.

Checking Products Comparison Chart
 

Smart Free Checking

50+ Interest Checking

VIP Interest CheckingChoice Interest Checking

 

 A FREE account for everyone!

A perfect account for customers 50 and better!

A great checking account with BaZing Benefits!

An account for those interested in higher interest!

Monthly Maintenance Fee

No Monthly Fee

No Monthly Fee

No Monthly Maintenance Fee with:

Direct Deposit and/or $500 minimum daily balance

Otherwise:

$8 per month

No Monthly Maintenance Fee with:

$2,500 minimum daily balance

Otherwise:

$8 per month

Minimum Opening Balance

$50

$50

$50

$50

Interest Bearing

(Current Rates)

-

Checkmark

BaZing Benefits Program*

  • Savings
  • Cell Phone Replacement Protection
  • ID Protection Zone
- - Checkmark -

Free Mobile Banking

(Data service charges may apply)

Checkmark Checkmark Checkmark Checkmark

Free Online Banking and Bill Pay

Checkmark Checkmark Checkmark Checkmark

Free Telephone Banking

Checkmark Checkmark Checkmark Checkmark

Free VISA Debit Card

Checkmark Checkmark Checkmark Checkmark

UChoose Rewards® Program

Checkmark Checkmark Checkmark Checkmark

Statements

Your Choice: Monthly Paper or
E-Statement

Your Choice:
Monthly Paper or
E-Statement

Your Choice: Monthly Paper or
E-Statement

Your Choice: Monthly Paper or
E-Statement

Unlimited Check Writing

Checkmark Checkmark Checkmark Checkmark

Free Standard Checks

- Checkmark

-

Checkmark
     

*Registration is required to access BaZing benefits. Email address and activation code required to register.

 

 

Smart Free Checking

Smart Free Checking is FREE for everyone! No monthly maintenance fee. No minimum balance requirement. No per-check charges.

50+ Interest Checking

50+ Interest Checking is perfect if you're 50 or better and want to earn interest but prefer no monthly maintenance fee and no minimum balance requirement. 

VIP Interest Checking  Powered by BaZing

This account is a Smart Choice if you want to earn interest on your entire balance and reap the benefits of a wide array of financial perks. Pay no fee by keeping a $500 minimum daily balance or receive Direct Deposit - otherwise, pay a low $8 maintenance fee per statement cycle.

Choice Interest Checking

This account is your Smartest Choice if you are interested in earning near CD interest rates on your checking account balance. Pay no fee by keeping a $5,000 minimum daily balance - otherwise, pay a modest $8 maintenance fee per statement cycle.

Reorder Checks

Re-ordering your checks online is fast, easy and secure! Shop online for a variety of styles designs and choices. You can order checks online at your convenience...24 hours a day, 7 days a week.

Order Now

FDIC Coverage

FDIC deposit insurance has been permanently increased from $100,000 to $250,000 per depositor. For more information about temporary FDIC insurance coverage of transaction accounts, visit www.fdic.gov.