Personal Checking
Personal Checking
Checking accounts designed for you
Whether you’re looking for more convenient access to funds or earn more interest on your account, we have a variety of Personal Checking options to suit your lifestyle.
Start your new journey with a new checking account from F&M and we’ll deposit $25 when you open a new account!*
*Gift deposit available to 2021 graduates. Must be redeemed by 8/31/2021. One bonus per customer.
$50 minimum deposit required to open account.
Smart Checking
Our Smart Checking account is designed to cover your basic banking needs.
- No monthly service fee
- Nationwide ATM fee refunds*
- Free Online & Mobile Banking
Loyalty Rewards Checking
Earn your rate! This tiered interest earning account rewards you on every day banking behaviors. The more qualifiers you meet, the higher your interest rate!
- Tiered interest rate rewards
- Nationwide ATM fee refunds*
- Free online & mobile banking
- Unlimited check writing
Bucks Back Checking
Bucks Back Checking pays you just for shopping! Earn $5 cash back per month when certain qualifiers are met!
- Earn monthly cash back rewards*
- Nationwide ATM Fee Refunds*
- Free Online & Mobile Banking
Secure Checking
Secure Checking offers all of the features of our other personal checking accounts with the added benefit of IDProtect® Identity Theft Monitoring and Resolution Service.
- Value-added checking includes IDProtect®
- Unlimited check writing
Health Savings Account (HSA)
Earn on your investments while staying prepared for an emergency.
- Greater personal control over healthcare management and expenses
- Prepare for qualified medical expenses
- Earn interest above standard savings on entire balance