At F&M, we recognize that everyone has different needs. We've got multiple checking account options that allow you to choose the right checking for you!

Premier Checking

The account that is simply better for you. Our most popular option, Premier Checking offers the value and options you want to cover your everyday needs.

  • Interest Checking
  • Mobile Banking – Mobile Deposit*
  • Online Banking – Bill Pay
  • Online Statements
  • Free Checks
  • No Annual Fee Debit Card**
  • Scheduled Transfers
  • Money Orders
  • Safe Deposit Box Discount
  • Stop Payment
  • Wire Transfer
  • VISA® Prepaid Cards
  • Fax Discount***
  • Notary Service
  • Notarize documents at no-fee.
  • Photocopy Service***
  • F&M Getaways***
  • Social Activities

Receive all of the Premier Checking benefits at no charge when you maintain an average monthly collected balance of $500. If your average monthly collected balance falls below $500, your monthly flat service fee will be $4. You must maintain a minimum balance of $500 in your account each day to obtain the APY.

*A small fee applies for Mobile Deposit. Data rates may apply.   **Small fee to replace card.   ***Some restrictions apply.


Free Checking

An ideal account if you prefer a basic, no frills checking account.

  • Free Online Banking
  • Free Online Bill Pay
  • Free Online Statements
  • Mobile Banking - Mobile Deposit*
  • No service charges
  • No minimum balance
  • Unlimited check writing privileges
  • No balance requirements

Student Bankpack Checking

This account is full of perks offered exclusively to full time students, up to 24 years of age.

  • Free Online Banking
  • Free Online Bill Pay
  • Free Online Statements
  • Mobile Banking - Mobile Deposit*
  • Free Checks - Duplicate or Standard
  • Free Debit Card**
  • Scholarship Programs

There are no balance requirements. Plus, at account opening, you will receive $10 in fun money.


NOW Checking

Let your money work for you within this interest earning checking account.

  • Free Online Banking
  • Free Online Bill Pay
  • Free Online Statements
  • Mobile Banking - Mobile Deposit*
  • Earn interest on your money regardless of your positive balance

If the daily balance falls below $1,000, there is a monthly flat service fee of $7.
Includes 40 debit items per month free of charge - fee of $.25 per debit item thereafter.

*A small fee applies for Mobile Deposit. Data rates may apply.

**Upon credit approval. Parent/guardian cosign may be required. There is a small fee to replace a card.