FDIC-Insured - Backed by the full faith and credit of the U.S. Government
F&M Bank 
Online Banking
Download our app
Just scan the QR code and grab our mobile banking app—it’s super easy and makes banking a breeze!
Download our app
Tap the badge and grab our mobile banking app—it’s super easy and makes banking a breeze!
Compare your checking account options to find the right fit.
At F&M Bank, you can manage your money the way you want with one of our three checking accounts. Choose a straightforward account that delivers the essentials, or go for one of our two cash back checking accounts. All our accounts come with a Visa® debit card and access to all the digital banking tools you need through Online Banking and our Mobile Banking App, including our Financial Health Suite.[
Standard Account
Basic Checking
This account provides the essentials, without monthly service charges.
Cash-back Rewards
Cash Back Checking
Every debit card purchase earns cash back, up to $10 a month.
Bigger Rewards
Cash Back Plus
Get cash back with every debit card purchase and earn interest on your balance.
| Basic Checking | Cash Back Checking | Cash Back Plus | |
|---|---|---|---|
| Ideal For | Those needing a standard checking account | Those needing cash-back rewards with lower balance requirements. | Those who are looking for bigger rewards and carry a higher balance. |
| Cash Back | No | Yes Up to $10 cash back per month (Every $200 spent earns $1 back). |
Yes Up to $10 cash back per month (Every $200 spent earns $1 back). |
| Minimum To Open | $10.00 | $10.00 | $10.00 |
| Interest | No | No | Yes Earn 1.00% APY (Annual Percentage Yield) on your daily balance. |
| ATM Waivers | No | Yes Non-F&M Bank ATM fee waivers up to $9. |
Yes Non-F&M Bank ATM fee waivers up to $18. |
| Free Additional Accounts* | 0 | 2 | 4 |
| Additional Account Benefits |
|
|
|
| Balance Requirements | $0.00 | $1,500 | $5,000 |
| Waivers** | No strings for this free account. |
|
|
| Maintenance Fee | Fee $0.00 | $9.95 if one of the account waivers listed above are not met. | $14.95 if one of the account waivers listed above are not met. |
* For primary accountholders only
** Only one required
** Only one required
| Basic Checking | Cash Back Checking | Cash Back Plus | |
|---|---|---|---|
| Ideal For | Those needing a standard checking account | Those needing cash-back rewards with lower balance requirements. | Those who are looking for bigger rewards and carry a higher balance. |
| Cash Back | No | Yes Up to $10 cash back per month (Every $200 spent earns $1 back). |
Yes Up to $10 cash back per month (Every $200 spent earns $1 back). |
| Minimum To Open | $10.00 | $10.00 | $10.00 |
| Interest | No | No | Yes Earn 1.00% APY (Annual Percentage Yield) on your daily balance. |
| ATM Waivers | No | Yes Non-F&M Bank ATM fee waivers up to $9. |
Yes Non-F&M Bank ATM fee waivers up to $18. |
| Free Additional Accounts* | 0 | 2 | 4 |
| Additional Account Benefits |
|
|
|
| Balance Requirements | $0.00 | $1,500 | $5,000 |
| Waivers** | No strings for this free account. |
|
|
| Maintenance Fee | Fee $0.00 | $9.95 if one of the account waivers listed above are not met. | $14.95 if one of the account waivers listed above are not met. |
* For primary accountholders only
** Only one required
** Only one required