Skip to main content

CHECKING

Five accounts filled with perks.

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.

Compare and decide for yourself.

Choose from accounts that let you cash checks and get cash back, protect your identity against fraud or provide the not-so-basic basics. Explore each account for specific account features and details.

Compare Smart Checking1 Loyalty Rewards Checking2 Bucks Back Checking3 Secure Checking4 Dream Builder Checking5
Works for you if… You want the basics, only better You want to earn higher interest rates just for using your debit card, direct deposit or ACH You want cash back just for using your debit card for everyday purchases You want the added benefit of identity protection You want to help your kids build savings and good banking habits from birth to age 21
No monthly service fee
Low monthly service fee $5/mo. $5/mo. $4.95/mo.
Minimum opening deposit $50 $50 $50 $50 $25
Account perks
Tiered interest rate
Monthly cash back $25 initial deposit bonus, Tiered interest rate,
Annual $10 birthday reward up to age 12
Minimum monthly balance $0 $0 $0 $0 $0
Free online & mobile banking For parents only up to age 16
Free debit card
Identity theft protection
Nationwide ATM fee refunds
1Smart Checking: Minimum to open the account is $50. If the qualifier is met each monthly statement cycle, earn refunds up to $10.00 in nationwide ATM Fees assessed by our bank and other banks during the Monthly Statement Cycle. ATM fee refunds will be credited to the account the next business day after the qualifiers have been met for each month. The Smart Checking qualifier is enrollment in eStatements via Online Banking and must be met to earn ATM Fee refunds. When the Smart Checking qualifier is not met, ATM fees are not refunded. A Monthly Statement Cycle runs from the day after the last business day of the month to the last business day of the following month. This checking account is for the occasional check writer and is intended to be used as the accountholder’s primary checking account in which payroll transactions and day-to-day spending activities are posted and settled. The account’s debit card is expected to be used frequently throughout each month and for transactions and amounts to reflect a wide dollar range. The bank reserves the right to determine if this account is being maintained for a purpose other than primary, day-to-day use. Requires a valid e-mail address. This account is not to be used for commercial purposes. At our discretion, rewards may change at any time after account is opened. Account approval, conditions, qualifications, limits, timeframes, enrollments, log-ons and other requirements apply.

2Loyalty Rewards Checking earns the following:

Tier 1 – If your daily balance is $25,000.00 or less, the account is enrolled in eStatements via Online Banking, and you have met a minimum of 1 qualifier, the interest rate paid on the entire balance will be 0.02% with an annual percentage yield of 0.02%.

Tier 2 – If your daily balance is $25,000.00 or less, the account is enrolled in eStatements via Online Banking, and you have met a minimum of 2 qualifiers, the interest rate paid on the entire balance will be 0.17% with an annual percentage yield of 0.17%.

Tier 3 If your daily balance is $25,000.00 or less, the account is enrolled in eStatements via Online Banking, and you have met a minimum of 3 qualifiers, the interest rate paid on the entire balance will be 0.32% with an annual percentage yield of 0.32%.

Basic Tier – An interest rate of 0.01% with an annual percentage yield of 0.01% will be paid only for that portion of your daily balance that is greater than $25,000.00.

Depending on the balance in the account and the number of qualifiers met, assuming a maximum account balance of $100,000.00, the annual percentage yield will range as follows: Tier 1 - 0.01% to 0.01%, Tier 2 - 0.01%- 0.05%, Tier 3 - 0.01% - 0.09%.

Annual Percentage Yields accurate as of February 22, 2024. Rates may change after the account is opened. To earn interest, you must be enrolled in eStatements and meet a minimum of one qualifier during the monthly statement cycle. Minimum to open a Loyalty Rewards Checking account is $50. There is no minimum balance requirement to earn interest or receive ATM fee refunds. If enrolled in eStatements and a minimum of one (1) qualifier is met each monthly statement cycle, nationwide ATM fees incurred during the monthly statement cycle will be reimbursed up to $10 and will be credited to your account on the last business day each month. A service charge of $5.00 will be charged each monthly statement cycle unless the account is enrolled in eStatements and a minimum of one qualifier has been met. Qualifying transactions must post and settle to the account during the monthly statement cycle. Transactions may take one or more business days from the transaction date to post and settle to an account. A Monthly Statement Cycle runs from the day after the last business day of the month to the last business day of the following month. Fees may reduce earnings. Personal accounts only. Limit one Loyalty Rewards Checking account per household.

 

3Bucks Back Checking: Minimum to open the account is $50. No minimum balance is required to qualify for bucks back and ATM fee refunds. If qualifiers are met each monthly statement cycle: (1) Earn $5.00 during the Monthly Statement Cycle and (2) Receive refunds up to $10.00 for nationwide ATM Fees assessed by our bank and other banks during the Monthly Statement Cycle. Cash back payments will be credited to the account at the end of the Monthly Statement Cycle. ATM fee refunds will be credited to the account the next business day after the qualifiers have been met for each month. When Bucks Back Checking qualifiers are not met during a Monthly Statement Cycle, no cash back payments are made on debit card point of sale purchases and ATM fees are not refunded. A Service Fee of $5.00 will be charged each monthly statement cycle when qualifiers have not been met. A Monthly Statement Cycle runs from the day after the last business day of the month to the last business day of the following month. This account is intended to be used as the accountholder’s primary checking account in which payroll transactions and day-to-day spending activities are posted and settled. The account’s debit card is expected to be used frequently throughout each month and for transactions and amounts to reflect a wide dollar range. The bank reserves the right to determine if this account is being maintained for a purpose other than primary, day-to-day use. Requires a valid e-mail address. This account is not to be used for commercial purposes. At our discretion, rewards may change at any time after account is opened. Account approval, conditions, qualifications, limits, timeframes, enrollments, log-ons and other requirements apply.


4Secure Checking: Minimum to open this account is $50. A monthly Service Fee of $4.95 will be assessed. Includes the added benefit of IDProtect® Identity Theft Monitoring and Resolution Services. Contact a F&M Bank Personal Relationship Banker for additional details on IDProtect® Identity Theft Monitoring and Resolution Services features.

5Dream Builder Checking: Minimum to open this account is $25. The initial account opening bonus is subject to tax reporting requirements. You will receive a $25 bonus within 30 days after the opening deposit has been made.

Annual Percentage Yield (APY) subject to change. This is a variable rate that is subject to change after the account has been opened. Interest rate and APY are accurate as of February 22, 2024.

Tier 1 – If your daily balance is $500 or less, the interest rate paid on the entire balance in your account will be 5.00% with an APY of 5.12%. 

Tier 2 – If your daily balance is greater than $500, the interest rate paid on the balance greater than $500 in your account will be 0.01% with an Annual Percentage Yield of 0.01%

Assuming a maximum account balance of $1,000 the Annual Percentage Yield (APY) will range from 2.56%-5.12%, depending on the account balance.


Birthday reward will be deposited the first business day of the month following when the birthday occurred. One birthday reward per account per calendar year.

Need us?

Find us across Ohio, Indiana and Michigan. Or right here online.

Financial Education For Your Kids: Give Them the Tools For a Bright Future
Investing for the Future - The Power of Compound Interest
The Fundamentals of a Simple Budget in Five Easy Steps