Hometown Community Bank

Checking Accounts

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
  • Online Bill Pay
  • Online Statements
  • Free Checks
  • No Annual Fee Debit Card**
  • Cashiers Checks Discount
  • Money Orders Discount
  • Safe Deposit Box Discount
  • Stop Payment Discount
  • Wire Transfer Discount
  • VISA® Prepaid Gift Cards Discount
  • Fax Discount***
  • Notarize documents at no-fee
  • Photocopy Service***

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.

*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.

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

NOW Checking

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

  • Mobile Banking - Mobile Deposit*
  • Online Banking
  • Online Bill Pay
  • Online Statements
  • 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.

*Data rates may apply.