Free Checking

Features:

  • No minimum balance
  • No maintenance fees
  • No activity fees
  • Unlimited monthly transactions
  • Free Notary Service
  • Free Credit Bureau Check
  • Statement mailed to you each month
  • No canceled checks with your statement
  • No earned interest on your account
  • Required to order check supplies from F&M State Bank. No direct mail checks will be honored.
  • $10.00 fee will be assessed each month once your account reaches a Dormant Status. A Dormant Status is defined as having no customer activity for 18 months.

Checking

Features:

  • No minimum balance
  • Non-interest bearing account
  • A maintenance fee of $10.00 will be charged each month
  • A fee of $0.15 will be charged for each check or Automatic Clearing House Item that clears the account
  • The fee can be offset by the earned credit. The earned credit rate on your account is $0.25 per $100 low daily balance. At our discretion, we may change the earned credit rate on your account at any time

Now Checking

Features:

  • Low minimum balance
  • Interest bearing account
  • Competitive interest rate. Call one of our locations for the current rate we are offering. At our discretion, we may change the interest rate on your account at any time
  • Interest will be compounded and credited to your account every month
  • Canceled checks are returned to customer
  • A minimum balance fee of $10.00 will be imposed every month if the balance in the account falls below $500 any day of the month
  • Interest begins to accrue on the business day you deposit non-cash items (for example, checks)
  • If you close your account before interest is credited, you will not receive the accrued interest.

Super Now Checking

Features:

  • Higher minimum balance Interest bearing account
  • Competitive interest rate. Please call one of our locations for the current rate we are offering. At our discretion, we may change the interest rate on your account at any time
  • Interest will be compounded and credited to your account every month
  • A minimum balance fee of $10.00 will be imposed every month if the balance in the account falls below $1,500 any day of the month
  • Interest begins to accrue on the business day you deposit non-cash items (for example, checks)
  • If you close your account before interest is credited, you will not receive the accrued interest