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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, and great value! Call and speak with a Relationship Banker today to find out which of our diverse accounts best fit your personal needs.


Checking Options

F&M Offers Value on All Accounts:

Surcharge-Free ATMs: Access your money easily, and surcharge free, at one of the 55,000 national ATMs in our network. Locate an ATM easily via our website or through our mobile app.

Overdraft Protection: Give yourself peace of mind by protecting your accounts from an inadvertent overdraft. Ask your Relationship Banker for more details.

Loan & Deposit Account Transfers: Make it easy on yourself by paying your F&M Bank loan with an automatic payment each month. In addition, you can start saving money with regular transfers to your F&M Bank savings account.¹

Scroll to the left to view the rest of the table.


Contact Us For Current Rates

Auto transfers for overdrafts, fees apply.
2 Account requirement.
3 To earn interest, account holder must have an e-statement, 14 debit card swipes in a statement cycle, & have one ACH within a statement cycle.