F&M Bank's Checking Accounts….let us help you make The Right Choice!

  Regular Checking Check Plus Now Checking Treasury Money Market Regency Club Checking Student Checking Health Savings
Summary Basic Checking Account Club Account with many benefits for one low monthly fee. Interest bearing checking Competitive interest rates with the convenience of check writing Club account for those 50 years or better and maintain $2,500 deposit account or $10,000 CD balance Free checking account for full-time students Tax deferred earning and tax-free distribution for medical expenses
Minimum Opening $100 $100 $1,000 $2,500 None $10 $100
Minimum Balance to avoid service charge $400 daily or
$1,000 average daily balance
N/A $1,000 average daily balance $1,000 average daily balance N/A N/A N/A
Monthly Service Charge *Balance of $250-$399.99 service charge is $6.00; Balance < $250.00 service charge is $7.50 *Plan A:  $8.50
*Plan B: $9.50
(If balance falls below minimum)
(If balance falls below minimum)
N/A N/A Annual fee of $25.00
Interest Bearing  No Yes, on balances
> $1,000
Yes, on balances
> $1,000
***Yes, on balances
> $2,500
No No Yes
Unlimited Checking Writing Yes Yes Yes No Yes Yes Yes
Per-Check Charges No No No No No Yes  No
Free E-Statement Yes Yes Yes Yes Yes Yes Yes
Free Debit Card No Yes No No Yes No No
Free Personalized Checks No Yes No No Yes No No
Additional Information N/A Fees waived on Cashiers Checks & Money Orders N/A No more than six transfer and withdrawals, or a combination of such , per statement cycle. Fees waived on Cashiers Checks & Money Orders.  Discount on Safe Deposit Box. Enjoy Regency Club events & activities. A per item fee of $.20 will be charged for each paper debit transactions in excess of ten during a statement cycle. $25 Setup fee. $25 Termination Fee.  Consult your health plan provider or tax preparer to see if you qualify.

* Includes Iowa sales tax where applicable

** Plus Iowa sales tax where applicable

***This is a Variable Rate Account with the annual percentage yield (A.P.Y.) subject to change at anytime at our discretion.