Personal Banking
FREE Checking
F&M offers a no gimmick, free checking account.
- No Minimum Balance
- No Per Check Charge
- No Monthly Service Charge
- Unlimited Check Writing
- Free Internet Banking
- Free Bill Pay
- Free ATM usage nationwide
- Free Return of Check Images
- Free Debit Card
- Monthly Statement
Preferred Checking
This is our high-interest checking account.
- No Per Check Charge
- Unlimited Check Writing
- Free Internet Banking
- Free Bill Pay
- Free ATM usage nationwide
- Free Debit Card
- Free Return of Check Images
- Service charge fee of $0.30 per debit transaction
- Monthly Statement
- Minimum balance to avoide fees $750
- CONTACT your nearest branch for interest rate
Heritage Checking
For our customers who are more than 55 years of age.
- No Minimum Balance
- No Monthly Service Charge
- No Per Check Charge
- Unlimited check Writing
- Free ATM usage nationwide
- Free Monthly Image Check Statement
- CONTACT your nearest branch for interest rate
Premier Checking
For those who have direct deposit or auto debits, this account offers the most features.
- Earn up to 4.01% APY*
- Free ATM usage nationwide
- Electronic Statements
- No minimum balance
- No monthly fees
Qualifications to Earn Premier interest rate:
- Make a minimum of 12 signature-based debit card transactions per month
- Establish at least one direct deposit or ACH auto debit
- Enroll and receive electronic statements
Please contact the Branch Office nearest you for complete interest rate information.
*APY = Annual Percentage Yield
