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When you open a consumer account from F&M Bank & Trust you get convenience, security and a team that is ready to help you.

Compare Consumer Accounts


F&M myway f&m campus f&m 50+ f&m interest
Minimum to open account $100 $100 $100 $1,000
minimum daily balance
None None $100 $1,000
earns interest No Yes - See Rates Yes -See Rates
Yes -See Rates
Monthly Service Charge $5
Waived with e-Statement
$5
Waived with e-Statement
$5
If balance requirements are not met
$10
If balance requirements are not met or $7 with e-Statement

$3 
If balance requirements are met and not enrolled in e-Statement
digital banking Yes Yes Yes Yes
bill pay Yes Yes Yes Yes
no fee mobile deposit Yes Yes Yes Yes
Safe deposit box No No Yes No
debit card  Yes
Personalize for $20
Yes
Personalize for $20
Yes
Personalize for $20 
Yes
Personalize for $20 
Free Checks No No Yes No
ATM Fees 3 free withdrawals per statement cycle at ATMs not owned by F&M Bank & Trust and $1/ withdrawal after 3
$1 fee waived if ATM is not owned by F&M Bank & Trust
3 free withdrawals per statement cycle at ATMs not owned by F&M Bank & Trust and $1/ withdrawal after 3 3 free withdrawals per statement cycle at ATMs not owned by F&M Bank & Trust and $1/ withdrawal after 3
overdraft protection available Yes No Yes Yes
Account requirements None Must be 25 or younger
& reverts to F&MmyWay on 26th Birthday
Must be 50 or older None

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* Sales tax may apply
 
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Download: F&M Consumer Accounts
Download: Fee Schedule
  
Questions opening an account, contact the Client Representative Team.