At F&M Bank & Trust we have a wide variety of accounts that allows youth to get started early on their journey towards financial confidence.

Compare Youth Banking Accounts 

F&M kids bank f&m campus dream big f&m young farmers
Minimum to open account $25 $100 $50 $50
Account disclosures Download Download Download Download
minimum daily balance
None None None None
earns interest Yes - See Rates
Yes - See Rates Yes - See Rates
Yes - See Rates
Service Charge $5
Will be charge each month after the account has no activity for 24 months
Waived with e-Statement
3 withdrawals/transfers no fee, then $5 per withdrawal/transfer per quarter 
digital banking No Yes Yes Yes
bill pay No Yes No Yes
no fee mobile deposit No Yes No Yes
debit card  No Yes
Personalize for $20
No  Yes
Personalize for $20 
ATM Fees No Debit Card or ATM Card
$1 fee waived if ATM is not owned by F&M Bank & Trust
ATM Card is an Option
$15 Annual Fee
Account requirements Visit F&M Kids Bank Must be 25 or younger
& reverts to F&MmyWay on 26th Birthday
Client must be 22 years or younger and account reverts to F&MmyWay savings on client's 23rd Birthday 
Must be a 4-H or FFA member
Provide online enrollment to open account

Visit a Client Service Representative to Open Account open account open account  open account 
* Sales tax may apply
Reorder Checks
Download: Fee Schedule
Questions opening an account, contact the Client Representative Team.