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Select The Account That Fits Your Financial Style! What are your money managing habits? Do you write lots of checks? Swipe your check 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. Express Free Checking ▪ F&M Checking ▪ VIP 50 Checking ▪ Interest Checking ▪ Choice Interest Checking ▪ Express Free Checking is perfect if you do most of your banking electronically and prefer to get your monthly statement via e-mail. No minimum balance requirement.
F&M Checking Sign up for Direct Deposit of your payroll, Social Security or pension check … or maintain a $500 minimum daily balance … and you'll pay no fee for this great account. Otherwise, pay a low $8 service charge per statement cycle.
VIP 50 Checking Reap the rewards of an interest-bearing account that offers our customers age 50 and above a host of financial benefits. Pay no fee by keeping a $100 minimum daily balance - otherwise, pay a low $10 club fee per statement cycle.
This account is a Smart Choice if you desire to be rewarded with higher interest rates for higher balances. Pay no fee by keeping a $1,000 minimum daily balance - otherwise, pay a low $10 service charge per statement cycle.
This account is your Smartest Choice if you are interested in earning near CD rates on your checking account balance. Pay no fee by keeping a $5,000 minimum daily balance - otherwise, pay a modest $15 service charge per statement cycle.
Fraud Protection Plus F&M Bank offers a package of added protection benefits for a low fee of $4.00 per statement cycle.
Having a check returned due to insufficient funds can be a humiliating and costly experience. F&M Bank provides Overdraft Privilege to all checking customers who keep their account in good standing; it provides a level of protection against account reconciliation errors and unanticipated cash flow emergencies. Overdraft Privilege is a non-contractual courtesy offered by F&M Bank. The purpose of this privilege is to save you from the embarrassment, additional merchant fees and other problems that might result if a check is returned. F&M Bank encourages you to manage your funds wisely. Offering Overdraft Privilege should not be viewed as an encouragement to overdraft your account. Using Overdraft Privilege will result in the following fees:
Overdrafts can be created by paper check, online bill payment, personal withdrawal, use of ATM, Check Card, ACH or other electronic means. Payments may not be presented in the order authorized, which may affect fees incurred. Teller cashed checks (high to low amount) are paid first; Point-of-sale and ATM transactions are paid next; ACH (Electronic) items are paid next; then other checks and other withdrawal requests (high to low amount). F&M Bank is not required to pay items if your account has insufficient collected funds, even if we formerly paid overdrafts. If you have Overdraft Privilege, we will consider paying such items as a courtesy, not an obligation. Overdrawn accounts must return to a positive balance within 30 days or Overdraft Privilege will be suspended. If you need additional information on Overdraft Privilege, talk to an F&M Bank customer service representative. Note: Overdraft Privilege limits are reflected in your balance provided at F&M ATMs.
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