Personal Checking Accounts | F&M Bank

Banking that works the way you do.

Your money habits are unique so your checking account should be too. Whether you prefer simple, no-fee banking, earning interest on your balance, or getting a fresh start with an accessible account, F&M has options designed around the way you manage your money.

All F&M Personal Checking Accounts include:

Complimentary VISA^® Debit Card
Surcharge-Free ATMs nationwide via the Money Pass^® Network*
Digital Banking Access: including online banking, bill pay, and mobile banking
eStatement Delivery

*External Fees may apply outside F&M, Volunteer, and MoneyPass^®ATMs.

Simply Checking

A checking account that fits your everyday life, not the other way around.

Whether you’re paying bills, covering daily purchases, or staying on top of your finances, Simply Checking keeps things simple with no monthly service charge and no minimum balance requirements to slow you down.
Paper statement fee may apply.

Simply Interest Checking

Checking that rewards good financial habits.

Keep your money working for you. Earn interest on balances of $1,000 or more while enjoying the dependable banking experience you expect every day.

BankOn Checking

A checking account that opens doors,not adds barriers.

Everyone deserves access to convenient, affordable banking. With a low opening deposit and no monthly service charge, this account makes it easy to get started and stay on track with your financial goals.

Checking Products Comparison Chart

Account Offerings	Simply Checking	Simply Interest Checking	BankOn Checking
Minimum Opening Balance	$100	$100	$25
Monthly Service Charge	$0	$10* _{*waived when a daily balance of $1,000 each day of the statement cycle is maintained.}	$0
Paper Statement Fee Click here for more information on eStatements	$5* _{*waived when enrolled in eStatement delivery.}	No fee	$2* _{*waived when enrolled in eStatement delivery.}
Free* Digital Banking Services _{*Data service charges may apply}
Unlimited Check Writing			N/A
Complimentary Intro Pack of Checks at Account Opening			N/A

Bank Confidently with FDIC Coverage

Your peace of mind matters. That's why eligible deposits are FDIC insured up to applicable limits. For more information about FDIC coverage, visit the FDIC below.

Visit FDIC.gov

Running Low on Checks?

Reordering is simple and secure. Browse a variety of designs and place your order online whenever it’s convenient for you.

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Find the right fit, then take the next step.

Choosing a checking account doesn’t have to be complicated.
Pick the option that fits how you manage your money every day—or reach out if you’d like a little guidance.

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