The following fee revisions apply to Consumer and Business Customers:

• We’ve reduced Non-sufficient Fund / Overdraft fees from $37 to $18 per item paid or returned (first time presented & re-presentments).
• We’ve reduced the Continuous Overdraft Fee from $7 to $3.50 per day; and have added an extra day to the overdraft grace period, so you won’t be charged a fee until day 3.
• We’re introducing an overdraft cushion of $50. You will not be charged a Non-Sufficient Fund / Overdraft or Continuous Overdraft Fee until payment of an item causes your account to be overdrawn more than $50.
• We’ve eliminated the $7 Overdraft Protection Transfer Fee, so you won’t get charged when you need to use your Overdraft Protection.
• We’ve reduced the Stop Payment Fee from $37.00 to $18.00.
• We’ve eliminated the Low Balance Service Charge on Consumer and Business Savings accounts (Previously $12 if balance was less than $100).

Review Our Full Fee Schedule

F&M provides helpful tools to keep you from making a mistake in the first place: 

• To help avoid NSF/OD Fees, CardValet® helps you manage your finances by controlling how, when and where cards are used through your mobile device. 
• SecureAlerts can let you know the moment something important happens in your account!
• Overdraft Protection gives you added peace of mind. Call or visit an F&M Bank office near you!
• Visit our Online Education Center for more tools.
• If you have questions about these changes and how they affect you, call 1.800.645.2400 or visit an F&M Bank office near you.