Checking Accounts

Our checking accounts make it simple to keep your finances safer and take advantage of smart discounts on financial services. 


View current Deposit Rates & F&M Fee Schedule

 Questions, contact a F&M team member by phone or email.  
 
 F&M Client representatives
 

F&M Extreme Checking

 
✔︎ Tiered Interest*
✔︎ Free Custom Debit Card
✔︎ And More!

$7.00** monthly service charge fee applies if daily balance falls below $2,500 any day of the statement cycle. This fee is waived if maintain a $2,500 daily balance.



F&M Premier Checking

 
✔︎ And More!
 
$6.00** monthly service charge fee applies. However, if you decide to enroll into e-statements, a service charge of only $5.00** will be charged.

  

F&M Interest Checking

 
✔︎ Interest Bearing*
 
$10.00** monthly service charge if daily balance falls below $1,000 any day of the cycle and you are not enrolled into e-statements; $7.00** monthly service charge if the balance in the account falls below $1,000 and you are enrolled into e-statements; $3.00** monthly service charge if the balance in the account stays above $1,000 and you are not enrolled into e-statements; No monthly service charge if the balance stays above $1,000 every day and you are enrolled into e-statements.
 

F&M Campus Checking1
(25 Years or Younger)

 
✔︎ Interest Bearing*
✔︎ Financial Wellness 360°
✔︎ Travel & Leisure Discounts 

$5.00** monthly service charge. Waived if enrolled in e-statements.
 
Must be 18 years or older to open account online.  Younger than 18, must open account in person at a F&M branch. 

F&M Simple Checking


 
✔︎ Basic Checking





IDProtect® ID Theft Monitoring

Identity theft monitoring and resolution services for you, your joint account holders, and your family.

Cellular Telephone Protection

Receive up to $400 of replacement or repair costs if your cell phone is stolen or damaged, in the U.S. and abroad.

Debit Advantage® Buyers Protection & Extended Warranty

Replace, repair or reimburse you up to the original purchase price, less shipping and handling charges, up to a maximum of $2,500 per claim and a maximum of $50,000 per account per year.

Roadside Assistance

24-hour coverage for roadside assistance services including vehicle towing, fuel/oil/fluid/water delivery, and battery/lock-out/tire assistance up to $100 per occurrence.

AD&D Insurance

Nothing can really prepare your loved ones should the unexpected happen to you. However, extra coverage from F&M can help.    

Travel & Leisure Discounts

Money-saving discounts from thousands of local and national businesses - redeem and print coupons online or access discounts from a mobile device.