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Checking

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apply now F&M Bank & Trust offers a wide variety of checking accounts for your every need. As a thank you for your business F&M Bank & Trust offers FREE Internet Banking, FREE Telephone Banking, FREE unlimited Bill pay services and FREE Visa Checkcards with bonus points.    

 

Distinctive Checking Superior Checking Quality Checking Direct Checking Checking Basics
Minimum Balance to Open
$100 $1,500 $100 $100 $50
Daily Minimum Balance
$100 $1,500 $100 No daily minimum
balance required
No daily minimum
balance required
Fees
Service Charge of
$4.00 if daily balance
falls below $100 any day of the statement cycle.
Service Charge of
$8.00 if daily balance
falls below $1,500 any day of the statement cycle.
Service Charge of
$8.00 if daily balance
falls below $100 any day of the statement cycle.
NONE NONE
Interest Bearing
YES
Interest earned on
daily collected balance
over $500
YES
Interest earned on
daily collected balance
over $1,500
YES
Interest earned on
daily collected balance
over $1000
NO NO
Additional Features
- Must be at least
50 years old
- Free club checks
- Checks will be stored in
Check Image Archive
- Free Safe Deposit box
- Unlimited check writing
- 500 free bonus points with
e-statement sign-up
- Checks will be stored in
Check Image Archive
- Unlimited check writing
- 500 free bonus points with
e-statement sign-up
- Checks will be stored in
Check Image Archive
- Unlimited check writing
- Client must have valid
email address
- No minimum balance
required
-No monthly service
charge
- Checks will be stored in
Check Image Archive
- Statement will be sent
as an e-statement
- Unlimited check writing
- Client must be 22 years of
age or younger
-No monthly service
charge
- Checks will be stored in
Check Image Archive
- This account reverts to a Quality Checking Account
on client's 23rd  birthday
- Unlimited check writing

 

Free With Checking Accounts

  • Internet Banking
  • Bill Pay
  • e-Statements
  • F&M Debit Card
  • VIC- Voice Information Center

Click here for our internet banking demo.
 

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