Checking Accounts

We Have A Checking Account For Everyone.

Personal checking accounts from F&M Bank allow you to reach your goals regardless of which phase of life you’re in. Want to maximize savings, travel, or simply need an account to manage your day-to-day finances? We have an account for you. We’re honored to be part of your financial journey and take our role in providing you with the best banking solutions seriously. Need a free basic checking account? We’ve got you covered! Looking for a little extra? Qualifying for rewards has never been easier! Forget the days of needing to meet multiple requirements to benefit from your account; these accounts only require one qualifier to receive the benefits. Review your options below and call or visit one of our convenient branch locations to speak with an experienced professional today:

Basic Checking

Those needing a standard checking account.

Cash Back

Those needing cash-back rewards with lower balance requirements.

Cash Back Plus

Those who are looking for bigger rewards, carry a higher balance, and love to travel.

F&M Cash Back Plus

Ideal For	Those who are looking for bigger rewards, carry a higher balance, and love to travel.
Cash Back	Yes Up to $10 cash back per month (Every $200 spent earns $1 back).
Minimum To Open	$10.00
Interest	Yes Earn 1.00% APY (Annual Percentage Yield) on your daily balance.
ATM Waivers	Yes Non-F&M Bank ATM fee waivers up to $18.
Free Additional Accounts	4
Additional Account Benefits	Free Online & Mobile BankingFree Visa Debit Card Free e-statements ($2 for mailed statements) Free consultation with an F&M Mortgage Advisor Free consultation with an F&M Financial Services Advisor
Balance Requirements	$5,000
Waivers (Only One Required)	Only one of the below requirements must be met to avoid the monthly fee.Set up and maintain direct deposit into your Cash Back Plus Checking Account -or- Maintain a minimum daily balance of $5,000 or more -or- Maintain F&M Savings Account, Money Market Account, or Christmas Club account -or- Maintain a personal loan or Home Equity Line of Credit with F&M Bank
Maintenance Fee	$14.95 if one of the account waivers listed above are not met.

F&M Cash Back Checking

Ideal For	Those needing cash-back rewards with lower balance requirements.
Cash Back	Yes Up to $10 cash back per month (Every $200 spent earns $1 back).
Minimum To Open	$10.00
Interest	No
ATM Waivers	Yes Non-F&M Bank ATM fee waivers up to $9.
Free Additional Accounts	2
Additional Account Benefits	Free Online & Mobile Banking Free Visa Debit Card Free e-statements ($2 for mailed statements) Free consultation with an F&M Mortgage Advisor Free consultation with an F&M Financial Services Advisor
Balance Requirements	$1,500
Waivers (Only One Required)	Only one of the below requirements must be met to avoid the monthly fee. Set up and maintain direct deposit into your Cash Back Plus Checking Account -or- Maintain a minimum daily balance of $1,500 or more -or- Maintain F&M Savings Account, Money Market Account, or Christmas Club account -or- Maintain a personal loan or Home Equity Line of Credit with F&M Bank
Maintenance Fee	$9.95 if one of the account waivers listed above are not met.

Basic Checking

Ideal For	Those needing a standard checking account.
Cash Back	No
Minimum To Open	$10.00
Interest	No
ATM Waivers	No
Free Additional Accounts	0
Additional Account Benefits	Free Online & Mobile Banking Free Visa Debit Card Free e-statements ($2 for mailed statements) Free consultation with an F&M Mortgage Advisor Free consultation with an F&M Financial Services Advisor
Balance Requirements	$0.00
Waivers (Only One Required)	No strings for this free account.
Maintenance Fee	$0.00

	Basic Checking	F&M Cash Back Checking	F&M Cash Back Plus
	Basic Checking	F&M Cash Back Checking	F&M Cash Back Plus
Ideal For	Those needing a standard checking account	Those needing cash-back rewards with lower balance requirements.	Those who are looking for bigger rewards and carry a higher balance.
Cash Back	No	Yes Up to $10 cash back per month (Every $200 spent earns $1 back).	Yes Up to $10 cash back per month (Every $200 spent earns $1 back).
Minimum To Open	$10.00	$10.00	$10.00
Interest	No	No	Yes Earn 1.00% APY (Annual Percentage Yield) on your daily balance.
ATM Waivers	No	Yes Non-F&M Bank ATM fee waivers up to $9.	Yes Non-F&M Bank ATM fee waivers up to $18.
Free Additional Accounts	0	2	4
Additional Account Benefits	Free Online & Mobile Banking Free Visa Debit Card Free e-statements ($2 for mailed statements) Free consultation with an F&M Mortgage Advisor Free consultation with an F&M Financial Services Advisor	Free Online & Mobile Banking Free Visa Debit Card Free e-statements ($2 for mailed statements) Free consultation with an F&M Mortgage Advisor Free consultation with an F&M Financial Services Advisor	Free Online & Mobile Banking Free Visa Debit Card Free e-statements ($2 for mailed statements) Free consultation with an F&M Mortgage Advisor Free consultation with an F&M Financial Services Advisor
Balance Requirements	$0.00	$1,500	$5,000
Waivers (Only One Required)	No strings for this free account.	Only one of the below requirements must be met to avoid the monthly fee. Set up or maintain direct deposit into your Cash Back Checking Account -or- Maintain a minimum daily balance of $1,500 or more -or- Maintain F&M Savings Account, Money Market Account, or Christmas Club account -or- Maintain a personal loan or Home Equity Line of Credit with F&M Bank	Only one of the below requirements must be met to avoid the monthly fee. Set up and maintain direct deposit into your Cash Back Plus Checking Account -or- Maintain a minimum daily balance of $5,000 or more -or- Maintain F&M Savings Account, Money Market Account, or Christmas Club account -or- Maintain a personal loan or Home Equity Line of Credit with F&M Bank
Maintenance Fee	$0.00	$9.95 if one of the account waivers listed above are not met.	$14.95 if one of the account waivers listed above are not met.
	Sign up today!	Sign up today!	Sign up today!

FDIC Insurance Secures Your Money With F&M Bank.

When you bank with F&M your deposits are insured by FDIC for up to $250,000. For customers participating in the Certificate of Deposit Registry Service (CDARS) network, F&M Bank provides coverage up to $50 million. Simplify banking by keeping all your accounts in one location with coverage you can depend on.

Compelling Service From Friends & Neighbors Is The F&M Way.

We combine web based banking and traditional storefront banking to give our clients the best of both worlds. Manage your accounts online or receive personal service from one of our local professionals to guide you through your banking experience. On-site safe deposit boxes and in-house notary services provide value and convenience as you keep your affairs in order. Are you ready to open your checking account today?