Personal
Student Account
- For customers 13 – 23 years of age
- No minimum balance
- No monthly service charge
- Must show proof of enrollment
***Contact a customer service representative for details***
Heritage Account
- For customers 65 years of age or older
- No minimum balance
- No monthly service charge
- No per check charge
***Contact your nearest branch for interest rate***
Essentials Account
- $50 minimum opening deposit
- No minimum daily balance requirement
- No transaction limitations
- No monthly service charge
Earnings Account
- Minimum opening deposit $50
- Maintain $100 daily balance to avoid $5 service charge
- Electronic Statements Only
- Competitive interest rate
Business
Business Checking
- Maintain $1,000.00 daily to avoid $7.00 Base Charge Fee and Service Charge fee of $.30 per debit item.
Business Money Market
- Minimum opening deposit is $2,500.00
- Maintain $2500.00 daily balance to avoid $10 Base Charge fee
- Withdrawals and transfers in person are unlimited.
Business Manager
- Payable-related services that will help businesses streamline payments processing, with the added benefits of reducing costs and improving operations.
- Services includes ACH Payments Manager, Wire Manager, Positive Pay, and Remote Deposit Capture
- Contact your F&M Bank Account Manager for more information and/or to register.
