Personal Checking
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 Bank has the right personal checking account for you.
Deposit Director Flex
Opening an F&M Bank checking or savings account – is quick and easy with Deposit Director Flex. Deposit Director Flex is an optimized account opening process for all your compatible devices that can be done anytime, from anywhere you have an internet connection.
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- Keep your information safe using our encryption process and servers
- Use the tool tips to get consistent help and explanations
- Select and fund your accounts all from one easy to use location
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Checking Products Comparison Chart
| Account Offerings |
Smart Free Checking
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50+ Interest Checking
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VIP Interest Checking
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VIP Platinum Interest Checking
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Performance
Checking
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| Online Account Opening |
OPEN TODAY
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OPEN TODAY
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OPEN TODAY
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OPEN TODAY
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OPEN TODAY
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| Description |
A FREE account for everyone.
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Perfect checking accounts for customers 50 and better.
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A great checking account with interest and F&M Rewards.
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A great checking account with interest and Platinum F&M Rewards.
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An account for customers who go the extra mile – because what you earn
is up to you.
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Monthly Maintenance Fee
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No Monthly Fee
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No Monthly Fee
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Monthly Maintenance Fee:
$8 per month
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Monthly Maintenance Fee:
$12 per month
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No Monthly Fee
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Minimum Opening Balance
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$50
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$50
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$50
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$50
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$250
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Interest Bearing
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N/A
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F&M Rewards
powered by BaZing*
- Merchant Discounts
- Cell Phone Replacement Protection
- Identity Theft Aid
- BaZing Fuel
- Roadside Assistance
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N/A
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N/A
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PLUS:
Accidental Death & Common Carrier Insurance
and
Buyers Protection and Extended Warranty
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N/A
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Free Mobile Banking with Mobile Deposit
(Data service charges may apply)
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Free Online Banking
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Free Bill Pay
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Free VISA® Debit Card with uChoose Rewards® & CardValet®
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Statements
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Your Choice: Monthly Paper or
eStatement
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Your Choice: Monthly Paper or
eStatement
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Your Choice: Monthly Paper or
eStatement
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Your Choice:
Monthly Paper or
eStatement
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eStatement
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Unlimited Check Writing
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Free Standard Checks
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N/A
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N/A
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N/A
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N/A
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*Registration is required to access F&M Rewards powered by BaZing benefits.
All F&M Personal Checking Accounts include:
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Also included when you open your account in branch:
- FREE Thank You Gift
- BUY BACK of your unused checks and debit cards from another financial institution up to $10.
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.
Free gift may be reported on a 1099-INT or 1099-MISC. Free gift provided at the time of account opening.
Your new F&M Bank checking account will be credited $2 per pad of unused checks and $2 per debit card, up to $10 at the time the checks/debit cards are presented.
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Checking Products
Smart Free Checking
Smart Free Checking is FREE for everyone!
- Minimum Opening Deposit – $50
- No Minimum Balance
- No Monthly Service Charge
- ... and more!
Open Smart Free Checking Today!
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.
Open 50+ Interest Checking Today!
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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 Aid2,3
- Payment Card Fraud Resolution
- $2,500 Personal Identity Protection (for qualified expenses)
- ID Recovery and Restoration
- ID Monitoring and Credit Monitoring
- $400 Cell Phone Protection2,3
- 24-Hour Roadside Assistance (up to $80 for qualified expenses)
- Only $8 monthly service charge
- ... and more!
Open VIP Interest Checking Today!
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.
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VIP Platinum Checking
A great checking account with interest and Platinum F&M Rewards!
- 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 Aid2,3
- Payment Card Fraud Resolution
- $5,000 Personal Identity Protection (for qualified expenses)
- ID Recovery and Restoration
- ID Monitoring and Credit Monitoring
- $600 Cell Phone Protection2,3
- 24-Hour Roadside Assistance (up to $80 for qualified expenses)
- $25,000 Accidental Death and $100,000 Common Carrier Insurance3
- $2,500 Buyers Protection and 180 Day Extended Warranty2,3
- Only $12 monthly service charge
- ... and more!
Open VIP Platinum Checking Today!
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.
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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
- ... and more!
Open Performance Checking Today!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 3.93% will be paid on the entire portion of your daily balance $25,000.00 or less. The APY for this tier is 4.00%. Tier 2. An interest rate of 1.98% 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 4.00% to 2.50%, depending on the balance in your account. The monthly statement will show a blended rate of interest. The monthly APY is accurate as of 09/20/2023. Your interest rate and annual percentage yield are subject to change. Fees may reduce earnings. All applicants must meet F&M Bank’s account opening requirements. Some restrictions may apply.
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FDIC Coverage
For more information about FDIC insurance coverage of transaction accounts, visit www.fdic.gov.
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
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FDIC-Insured - Backed by the full faith and credit of the U.S. Government