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Youth
At F&M Bank & Trust we have a wide variety of accounts that allows youth to get started early on their journey towards financial confidence.
Compare Youth Banking Accounts
| F&M kids bank | f&m campus | dream big | f&m young farmers | |
|---|---|---|---|---|
| Minimum to open account | $25 | $100 | $50 | $50 |
| Account disclosures | Download | Download | Download | Download |
| minimum daily balance |
None | None | None | None |
| earns interest | Yes - See Rates |
Yes - See Rates | Yes - See Rates |
Yes - See Rates |
| Service Charge | $5 Will be charge each month after the account has no activity for 24 months |
$5 Waived with e-Statement |
3 withdrawals/transfers no fee, then $5 per withdrawal/transfer per quarter |
None |
| digital banking | No | Yes | Yes | Yes |
| bill pay | No | Yes | No | Yes |
| no fee mobile deposit | No | Yes | No | Yes |
| debit card | No | Yes Personalize for $20 |
No | Yes Personalize for $20 |
| ATM Fees | No Debit Card or ATM Card |
$1 fee waived if ATM is not owned by F&M Bank & Trust |
ATM Card is an Option $15 Annual Fee |
None |
| Account requirements | Visit F&M Kids Bank | Must be 25 or younger & reverts to F&MmyWay on 26th Birthday Must be 18 to open account online |
Client must be 22 years or younger and account reverts to F&MmyWay savings on client's 23rd Birthday |
Must be a 4-H or FFA member Provide online enrollment to open account |
| Visit a Client Service Representative to Open Account | open account | Visit a Client Service Representative to Open Account | Visit a Client Service Representative to Open Account |
