Personal Checking Accounts

Checking Products Comparison Chart

Account Offerings	Smart Free Checking	50+ Interest Checking	VIP Interest Checking	VIP Platinum Interest Checking	Performance Checking
Description	A FREE account for everyone.	Perfect checking accounts for customers 50 and better.	A great checking account with interest and F&M Rewards.	A great checking account with interest and Platinum F&M Rewards.	An account for customers who go the extra mile – because what you earn is up to you.
Monthly Maintenance Fee	No Monthly Fee	No Monthly Fee	Monthly Maintenance Fee: $8 per month	Monthly Maintenance Fee: $12 per month	No Monthly Fee
Minimum Opening Balance	$50	$50	$50	$50	$250
Interest Bearing	N/A
F&M Rewards powered by BaZing* Merchant Discounts Cell Phone Replacement Protection Identity Theft Aid BaZing Fuel Roadside Assistance	N/A	N/A		PLUS: Accidental Death & Common Carrier Insurance and Buyers Protection and Extended Warranty	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 eStatement	Your Choice: Monthly Paper or eStatement	Your Choice: Monthly Paper or eStatement	Your Choice: Monthly Paper or eStatement	eStatement
Unlimited Check Writing
Free Standard Checks	N/A		N/A	N/A	N/A

*Registration is required to access F&M Rewards powered by BaZing benefits.

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

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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

VIP Interest Checking

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 F&M Rewards for a low monthly service charge.

• Minimum Opening Deposit – $50
• Competitive Interest - View Current Rates
• BaZing Fuel with 15 debit card swipes per month, save 10¢ per gallon on up to 20 gallons⁴
• National, Regional, and Local merchant discounts¹
• Pharmacy and Vision discounts (Health Savings Card)¹
• Identity Theft Aid^2,3
  • Payment Card Fraud Resolution
  • $2,500 Personal Identity Protection (for qualified expenses)
  • ID Recovery and Restoration
  • ID Monitoring and Credit Monitoring
• $400 Cell Phone Protection^2,3
• 24-Hour Roadside Assistance (up to $80 for qualified expenses)
• Only $8 monthly service charge

1. Participating merchants on BaZing are not sponsors of the program, are subject to change without notice, may not be available in all regions, and may choose to limit deals.

2. Cell phone protection and personal identity theft benefits are subject to additional terms and conditions.

3. Insurance products are: NOT A DEPOSIT, NOT FDIC INSURED, NOT INSURED BY ANY FEDERAL GOVERNMENT AGENCY. NOT GUARANTEED BY THIS FINANCIAL INSTITUTION.

4. You’ll receive a one-time activation reward of $0.10 per gallon when you activate BaZing Fuel. You’ll earn a monthly reward of $0.10 per gallon each month when you have 15 eligible debit card transactions post and settle during the Monthly Qualification Cycle (MQC), which is defined as the first day of the month through the last day of the month. Only transactions posted during the MQC will count towards the monthly reward for that MQC. The following activities do not count toward earning BaZing Fuel: ATM withdrawals, transfers between accounts, deposit or refund transactions. Transactions posted during the MQC greater than the monthly reward requirement will be stored to count towards a bonus reward of $0.10 per gallon. When you have 50 stored bonus transactions you will earn the bonus reward. You will continue to earn bonus rewards for every 50 stored bonus transactions accrued. If the required monthly reward transaction count is not met during the MQC, no transactions are counted for any reward during that MQC or the bonus reward. BaZing Fuel is limited to 20 gallons of fuel per purchase, per vehicle, or fraud limits placed by Shell and/or limits placed on your payment card by your financial institution, each of which may be lower. To activate, you will need to have online banking with your financial institution. Refer to the BaZing Fuel Terms and Conditions for full disclosures. BaZing Fuel offer may be changed at any time and without notice.

1. Participating merchants on BaZing are not sponsors of the program, are subject to change without notice, may not be available in all regions, and may choose to limit deals.

2. Cell phone protection, personal identity theft benefits, and buyer’s protection and extended warranty are subject to additional terms and conditions.

3. Insurance products are: NOT A DEPOSIT, NOT FDIC INSURED, NOT INSURED BY ANY FEDERAL GOVERNMENT AGENCY. NOT GUARANTEED BY THIS FINANCIAL INSTITUTION.

4. You’ll receive a one-time activation reward of $0.10 per gallon when you activate BaZing Fuel. You’ll earn a monthly reward of $0.10 per gallon each month when you have 15 eligible debit card transactions post and settle during the Monthly Qualification Cycle (MQC), which is defined as the first day of the month through the last day of the month. Only transactions posted during the MQC will count towards the monthly reward for that MQC. The following activities do not count toward earning BaZing Fuel: ATM withdrawals, transfers between accounts, deposit or refund transactions. Transactions posted during the MQC greater than the monthly reward requirement will be stored to count towards a bonus reward of $0.10 per gallon. When you have 50 stored bonus transactions you will earn the bonus reward. You will continue to earn bonus rewards for every 50 stored bonus transactions accrued. If the required monthly reward transaction count is not met during the MQC, no transactions are counted for any reward during that MQC or the bonus reward. BaZing Fuel is limited to 20 gallons of fuel per purchase, per vehicle, or fraud limits placed by Shell and/or limits placed on your payment card by your financial institution, each of which may be lower. To activate, you will need to have online banking with your financial institution. Refer to the BaZing Fuel Terms and Conditions for full disclosures. BaZing Fuel offer may be changed at any time and without notice.

Performance Checking

This checking account is for customers who go the extra mile because what you earn is up to you.

• Minimum Opening Deposit – $250
• Split Interest^* - View Current Rates
  • $0 - $25,000.00
  • $25,000.01 +
• Must qualify each statement cycle to earn higher interest rate.
  • Have at least 10 debit card point-of-sale transactions post and clear
  • Have at least one direct deposit or automatic payment (ACH) post and clear
  • Log in at least once to your Personal Online Banking account
  • Receive monthly eStatements
• No minimum balance
• No monthly fees

Learn More About Performance Checking

*Rate Information: The interest rate and annual percentage yield (APY) for these tiers may change. A minimum account balance of $1.00 is required to earn interest. If customer does not meet their eligibility requirements, the interest rate of 0.50% with a 0.50% (APY) is applied to all balances. The following Performance Checking interest rates are earned if all eligibility requirements are met. Tier 1. An interest rate of 3.64% will be paid on the entire portion of your daily balance $25,000.00 or less. The APY for this tier is 3.70%. Tier 2. An interest rate of 1.78% will be paid for that portion of your daily balance that is greater than $25,000.00. The APY for this tier will range from 3.70% to 2.25%, depending on the balance in your account. The monthly statement will show a blended rate of interest. The monthly APY is accurate as of 12/12/2025. Your interest rate and annual percentage yield are subject to change. Fees may reduce earnings. All applicants must meet F&M’s account opening requirements. Some restrictions may apply.