Checking Accounts

Our checking accounts make it simple to keep your finances safer and take advantage of smart discounts on financial services. 


F&M Checking Accounts Include:  Online Banking, Online Bill Payment, Mobile Banking & Mobile Check Deposit 

F&M Extreme Checking1

✓ Tiered Interest*
✓ Specialty Checks
✓ 2x5 Safe Deposit Box
✓ Personalized Custom Debit Card
✓ IDProtect® Identity Theft  Monitoring and Resolution Service1
✓ Cellular Telephone Protection2
✓ Accidental Death & Dismemberment Insurance2
✓ $hopping RewardsTM (available via mobile and web only)
✓ Health Discount Savings (this is NOT insurance)
✓ Travel & Leisure Discounts (available via mobile and web only)
✓ Debit Advantage® - Buyers Protection2 and Extended Warranty2
✓ And More!
$7.00** monthly service charge fee applies if daily balance falls below $2,500 any day of the statement cycle. This fee is waived if maintain a $2,500 daily balance.



F&M Premier Checking1

✓ IDProtect® Identity Theft  Monitoring and Resolution Service1
✓ Cellular Telephone Protection2
✓ Accidental Death & Dismemberment Insurance2
✓ $hopping RewardsTM (available via mobile and web only)
✓ Health Discount Savings (this is NOT insurance)
✓ Travel & Leisure Discounts (available via mobile and web only)
✓ Debit Advantage® - Buyers Protection2 and Extended Warranty2
✓ And More!
$6.00** monthly service charge fee applies. However, if you decide to enroll into e-statements, a service charge of only $5.00** will be charged.

  

F&M Interest Checking1

✓ Interest Bearing*
✓ Credit File Monitoring
✓ Credit Report and Scores2
✓ IDProtect® Score Tracker2,3
$10.00** monthly service charge if daily balance falls below $1,000 any day of the cycle and you are not enrolled into e-statements; $7.00** monthly service charge if the balance in the account falls below $1,000 and you are enrolled into e-statements; $3.00** monthly service charge if the balance in the account stays above $1,000 and you are not enrolled into e-statements; No monthly service charge if the balance stays above $1,000 every day and you are enrolled into e-statements.
 

F&M Campus Checking1
(25 Years or Younger)

✓ Interest Bearing*
✓ Debit Advantage® - Buyers
Protection2 and Extended Warranty2
✓ Financial Wellness 360° (available via mobile and web only)
✓ Travel & Leisure Discounts (available via mobile and web only)
$5.00** monthly service charge. Waived if enrolled in e-statements.
 
Must be 18 years or older to open account online.  Younger than 18, must open account in person at a F&M branch. 

F&M Simple Checking

✓  Basic Checking



Reorder Checks
 
Get the F&M Bank & Trust Mobile App  & find out how to use Mobile Deposit
 
View the current F&M Bank & Trust Deposit Rates.
 
Questions opening an account, contact the Client Representative Team.