Let F&M Perks Checking make your life a little better. This high-interest checking account offers a high 0.40% APY*

• Nationwide ATM withdrawal fee refunds*

Let F&M Perks Checking with Savings II make your life a little better. This high-interest checking account offers a high 0.40% APY*

• Nationwide ATM withdrawal fee refunds*
• Link to F&M Perks Savings II to build savings automatically

It’s true! F&M Perks with Cash Back checking pays you to shop. You’ll get 1.50% cash back on debit card purchases — up to $5 per month when you do some simple banking basics.*

• No category restrictions on purchases
• Nationwide ATM withdrawal fee refunds*
• No minimum balance requirements to earn rewards

Reap all the rewards of our other accounts in addition to our custom identity theft protection software—IDProtect®.

• Value-added checking includes IDProtect®
• Unlimited check writing

Designed for students and young adults under 25 years of age, our Smart 25 Checking account helps you to focus on building your future.

• Nationwide ATM withdrawal fee refunds*
• No monthly service charge

Get all the features you need in an account—and waive the monthly fee while you’re at it.

• Basic checking with the ability to waive the monthly fee
• Unlimited check writing

Get the ultimate perks-interest that grows with your account and easy access.

• Interest-bearing, premier checking account
• Tiered interest, rewarding larger balances with higher rates
• Interest compounded and credited monthly

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