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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.
Compare Consumer Accounts
| F&M myway | f&m campus | f&m 50+ | f&m interest | |
|---|---|---|---|---|
| Minimum to open account | $100 | $100 | $100 | $1,000 |
| Account disclosures | Download | Download | Download | Download |
| 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 18 to open account online
|
Must be 50 or older | One Account Per Social Security Number |
| open account | open account | open account | open account |
* Sales tax may apply
Bundle any F&M Checking Account with one of our F&M Advantage Bundles
Questions opening an account, contact the Client Representative Team.
