Checking Accounts

F & M offers a choice of accounts to manage your personal needs.

Community Free Checking

A checking account with no required minimum balance and no monthly fees

• Opening Deposit: $100.00
• Debit/ATM card available
• Direct Deposits/Automatic Payments
• Internet Banking
• Unlimited check writing privileges

Community Checking

A basic full-service checking account that includes a monthly image statement

• Opening Deposit: $100.00
• Choose to maintain a minimum daily balance of $300.00 or pay a monthly fee
• Debit/ATM card available
• Direct Deposits/Automatic Payments
• Internet Banking
• Unlimited check writing privileges
• Item imaging – statement includes images of checks and deposits, presorted by type, number and date

Community Interest Checking

An interest bearing personal checking account

• Opening Deposit: $100.00
• Choose to maintain a minimum daily balance of $500.00 or pay a monthly fee
• Balances of $500.00 and over receive interest that is credited monthly
• Debit/ATM card available
• Direct Deposits/Automatic Payments
• Internet Banking
• Unlimited check writing privileges
• Item imaging – statement includes images of checks and deposits, presorted by type, number and date
• First box of standard, personalized checks free