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At F&M Bank, we strive to provide you with the products you need and the benefits you will love. Our checking accounts not only offer you several options to choose from, but also offer convenience, flexibility, great value, and access to many FREE services!
Call and speak with a Relationship Banker today to find out which of our diverse accounts best fit your personal needs.

Checking Options

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Contact Us For Current Rates

*To earn interest, account holder must: Have 15 posted and cleared debit card transactions each month, be enrolled in e- statements, have 2 posted and cleared ACH transactions within a statement cycle, and be enrolled in and log into online banking once monthly. Minimum balance to open this account is $100. 00. When your checking requirements are met during a qualification cycle. Checking balances from $0 to $10,000 will receive an interest rate of 2.70%. The Annual Percentage Yield (APY) for this tier will be 2.70%. An interest rate of 0.10% will be paid only on the portion of your daily balance which
is greater than $10,000. The APY for this tier will range from 0.36% to 2.70% depending on the balance in the account. If you do not meet transaction requirements during each statement cycle, the interest rate on the entire balance in your account will be 0.03% with an APY of 0.03% and you will not receive ATM refunds. If qualifications are not met for 3 consecutive statement cycles, your account will be changed to a SimpleStyle Checking. Effective date 11.01.18. Rate is variable and subject to change at any time. Fees may reduce earnings. One PremierPlu$ account per Tax ID Number.
1 A paper statement fee of $3.00 will be assessed if account is not enrolled in eStatements.
2 Per your data provider SMS, message and data fees may apply.
3 Transactions initiated through Popmoney are assessed a $0.75/transaction fee.
† Surcharge free ATM’s available through the STAR Network