Personal Checking Account with F&M, a Lawrence Bank
Select the account that fits your financial style! What are your money managing habits? Do you write lots of checks? Or do you prefer swiping your debit card? Pay bills and reconcile your account online? Whatever your style ... whatever services and features you need ... F&M has the right personal checking account for you.
Checking Products Comparison Chart
| Account Offerings | Smart Free Checking | 50+ Interest Checking |
|---|---|---|
| Description | A FREE account for everyone. | Perfect checking accounts for customers 50 and better. |
Monthly Maintenance Fee | No Monthly Fee | No Monthly Fee |
Minimum Opening Balance | $50 | $50 |
Interest Bearing | N/A |
|
Free Mobile Banking with Mobile Deposit (Data service charges may apply) |
|  |
Free Online Banking | | |
Free Bill Pay | | |
Free VISA® Debit Card with uChoose Rewards® & CardValet® | | |
Statements | Your Choice: Monthly Paper or | Your Choice: Monthly Paper or |
Unlimited Check Writing | | |
Free Standard Checks | N/A |
|
All F&M Personal Checking Accounts include:
- FREE VISA® Debit Card with CardValet® & uChoose Rewards®
- Nationwide ATM surcharge fees automatically refunded up to $20 each month
- FREE Online Banking
- FREE Bill Pay
- FREE Mobile Banking with Mobile Deposit
- FREE eStatements with online check images
Although F&M Mobile Banking is offered at no charge, data service charges may apply through your wireless carrier. Other fees such as non-sufficient funds, overdraft, sustained overdraft fees, etc. may apply. See fee schedule for details.
Checking Products
Smart Free Checking
Smart Free Checking is FREE for everyone!
- Minimum Opening Deposit – $50
- No Minimum Balance
- No Monthly Service Charge
We’re proud to offer free checking account options for all of our clients. Most often, banks or other smaller credit unions will charge a monthly fee for smaller accounts. But, we designed our checking accounts so you don’t have to worry about excessive fees.
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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.
- Minimum Opening Deposit – $50
- Competitive Interest - View Current Rates
- Free Standard Checks
- No Minimum Balance
- No Monthly Fees
FDIC Coverage
For more information about FDIC insurance coverage of transaction accounts, visit
www.fdic.govReorder 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.
Frequently Asked Questions
How do I open a personal checking account with F&M?
Opening an F&M checking account is easy! Visit any of our branch locations for personal assistance.
What do I need to open a checking account?
To open an account, you'll typically need:
- A valid government-issued photo ID (e.g., Driver's License, State ID, or Passport)
- Your Social Security Number (SSN) or Individual Taxpayer Identification Number (ITIN)
- Your physical address and mailing address
- Date of Birth
- Funds for your initial deposit (minimums vary by account, see our comparison chart for details)
Can I switch my checking account from another bank to F&M Bank?
Absolutely! We strive to make the transition as smooth as possible. Our team is here to help! Please contact us or visit a branch to get started.
Which checking account is right for me?
The best checking account depends on your individual needs and financial habits. Consider factors like whether you want to earn interest, avoid monthly fees, or get rewards. Our Checking Products Comparison Chart provides a great overview of our offerings. For personalized advice, feel free to contact us or speak with a representative at one of our branches.
Ready to Find Your Perfect Checking Account?
If you have more questions or need assistance, visit your local F&M or contact us today. Our friendly team is here to help you choose the account that best fits your financial style.
Compare Accounts