PERSONAL BANKING
CHECKING
SAVINGS/CDs/IRAs/MONEY MARKET
HEALTH SAVINGS ACCOUNT
ATM/DEBIT/CREDIT CARDS
MORTGAGE LOANS
CONSUMER LOANS
BILL PAY

Quick Links
REORDER CHECKS 
SAVINGS BONDS PURCHASING 
SHAZAM PRIVILEGE STATUS 
SCORE CARD 
MY CARD STATEMENT 
FREE CREDIT REPORTS 
FDIC ELECTRONIC DEPOSIT INSURANCE ESTIMATOR 

PERSONAL BANKING >> CHECKING

When it comes to managing your finances, look to F&M Bank's flexible checking accounts for the right solution.  Compare our personal checking accounts to find the benefits that appeal to you! 
 
E-Statements 
Would you be interested in receiving your monthly checking account statement electronically?  An E-Statement allows you to receive your monthly bank statement and checks through Internet Banking.  It's timely, secure and provides for quicker reconciliation of your accounts.   To enroll in E-Statements follow the steps below: 
 
  • Log in to your Internet Banking account
  • Select the Services tab located at the left and choose Electronic Correspondence
  • Accept the terms and conditions.  Note:  After agreeing to the Terms and Conditions, an email containing your verification code will be sent to your primary email address
  • Next the Electronic Correspondence screens displays.  Enter the verification code you received in your email into the Enter Verification Code field
  • Choose the accounts that you wish to receive an email notification that your E-Statement is available
  •  
    Upon enrolling, you will receive an email message confirming your enrollment.  When a new statement is generated, an e-mail will be sent to you. You can then sign in to your Internet Banking account and view your statement(s).  To view your statement, click on Accounts, then E-Statement.   From there select your account and the statement you would like to view. 
     
    Check Plus 
    This is the most popular checking account that F&M has to offer!  With a low monthly fee and no minimum balance, this account offers several features:  
  • No per check charge
  • Free club checks
  • Check images are returned with monthly statement
  • Free Identity Theft Protection
  • Free ATM or Shazam Check Card
  • Free Internet Banking
  • Free Bill Pay Services
  • Free E-Statements
  • Lost Key Return
  • Credit Card Protection Service
  • Auto Routing Service
  • Hotel Discounts
  • 24 Hour Accidental Death and Dismemberment Insurance
  •  
    Regular Checking 
    We make it easy to do all of your banking with us!  Our Regular Checking Account never has a monthly maintenance fee if you maintain an $400 minimum daily balance or $1,000 average monthly balance. 
  • Unlimited check writing privileges
  • No per item charge
  • Check images are returned with monthly statement
  • ATM  or Shazam Check Card available
  • Free Internet Banking
  • Free Bill Pay Services
  • Free E-Statements
  •  
    NOW Account** 
    Pays a competitive interest rate on your balance while providing all the benefits of a checking account! 
  • No monthly fee if average daily balance exceeds $1,000
  • Check images are returned with monthly statement
  • Unlimited check writing privileges
  • No per item charge
  • ATM  or Shazam Check Card available
  • Free Internet Banking
  • Free Bill Pay Services
  • Free E-Statements
  • **Variable Rate Account:  The rate may change after account is opened. 
     
    Treasury Money Market** 
    A savings account that offers competitive interest rates with the convenience of check writing. 
  • Service charges are avoided with a minimum average daily balance of $1,000.
  • Interest is compounded and credited monthly with a minimum balance of $2,500.
  • An unlimited amount of over the counter transactions are allowed on this account.
  • Transfers, automatic withdrawals, and telephone transfers are limited to six per month, three of which may be by check.
  • Free access to your account online with Internet Banking.
  • **Variable Rate Account:  The rate may change after account is opened. 
     
    Student Checking 
    A checking account designed for full-time students through college. It's a great way for students to learn the responsibility of handling a checking account without a lot of fees. 
  • No minimum balance required
  • Ten withdrawals per month allowed at no fee
  • Check images are returned with monthly statement
  • ATM or Shazam Check Card available
  • Free Internet Banking
  • Free Bill Pay Services
  • Free E-Statements
  •  
     
     
     
     
     


    FDIC
    PRIVACY POLICY
    DISCLAIMER: The bank is not responsible for and has no control over the subject matter, content, information, or graphics when viewing links attached to this bank’s site.

    Optimized for MobileThis site is optimized for display on Handheld Devices. | Visit Our Flash Site.