Checking

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

	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	One Account Per Social Security Number
	Open Account	Open Account	Open Account	Open Account