Personal
Economy Checking
- No minimum daily balance
- First 12 debits at no charge per statement cycle
- $ .30 per debit item after 12 per statement cycle
Student Checking (13-23 years old)
- No minimum balance
- No monthly service charge
- Must show proof of enrollment
***Contact a customer service representative for details***
Heritage Checking (65 and older)
- No minimum balance
- No monthly service charge
- No per check charge
***Contact your nearest branch for interest rate***
Premier Checking
- Minimum opening deposit $100
- Maintain $100 average monthly balance to avoid $5 service charge fee
- Electronic Statements Only
- MUST have at least twelve (12) signature based debit card transactions post and clear per statement cycle
- MUST have at least one (1) ACH debit or credit transaction post and clear per statement cycle
- MUST have a valid email address***Contact your nearest branch for interest rate***
Business
Business Checking
- Maintain $1,000.00 daily to avoid $7.00 Base Charge Fee
and Service Charge fee of $.30 per debit item.
Business Money Market
- Minimum opening deposit is $2,500.00
- Maintain $2500.00 daily balance to avoid $10 Base Charge fee
- Withdrawals and transfers in person are unlimited.
Business Manager
- Payable-related services that will help businesses streamline payments processing, with the added benefits of reducing costs and improving operations.
- Services includes ACH Payments Manager, Wire Manager, Positive Pay, and Remote Deposit Capture
- Contact your F&M Bank Account Manager for more information and/or to register.
