.comp-load-defer, .app-load-defer { visibility: visible !important; margin: 0 auto; padding: 20px 40px; display: block; }

FDIC-Insured—Backed by the full faith and credit of the U.S. Government

Routing #041207341

Rates Contact Careers investor Locations

Menu Close

Username
Password

Forgot Password? Enroll now

Retail Online Business Online

DREAM BUILDER ACCOUNT

The best checking account just for kids

HOME
PERSONAL
BANK
CHECKING
DREAM BUILDERS ACCOUNT

Open an account that builds a lifetime of good habits.

Kids have dreams. Help yours achieve them with the Dream Builder account. The interest-bearing checking account grows with them from birth to age 21, bringing new benefits with each tier – starting with a $25 initial deposit bonus. The best part? Dream Builder comes with a wealth of financial knowledge, plus the peace of mind that F&M is here to guide and provide for your child, every step of the way.

Apply Now

Meet the Dream Builder Account.

Four unique account tiers designed to help your child build a strong financial roadmap.

Building Blocks
(Ages 0-12)

Your little dreamer is just starting out. Give them the gift of financial support from birth all the way through age 21 with the Dream Builder Account. This innovative account offers more than most, with benefits like:

$25 Minimum to Open
$25 Initial Account Opening Bonus
5.00% (5.12% APY) earned on balances up to $500
$10 birthday reward up to age 12
Free Online/Mobile Banking (Adult Only)

We're here to guide and provide for your child, every step of the way.

Open Now Contact Us

Building Know-How
(Ages 13-15)

As a teen, your child has big dreams. You have the power to help them achieve those dreams with the innovative and low-maintenance Dream Builder Account.

$25 Minimum to Open
$25 Initial Account Opening Bonus
5.00% (5.12% APY) earned on balances up to $500
Nationwide ATM fee refunds up to $10/mo
$500/day Debit Card POS Limits
$250/day ATM Withdrawals
$5,000 Daily Mobile Deposit Limits
Free Online/Mobile Banking (Adult Only)

We're here to guide and provide for your child, every step of the way.

Open Now Contact Us

Building Steam
(Ages 16-18)

You have big plans after high school. Whether you want to become the next master chef, world-touring musician, or supreme court justice, we have the account to help you get there.

$25 Minimum to Open
$25 Initial Account Opening Bonus
5.00% (5.12% APY) earned on balances up to $500
Nationwide ATM fee refunds up to $10/mo*
$500/day Debit Card POS Limits (ages 16-17), $3,000/day (ages 18+)
$250/day ATM Withdrawals (ages 16-17), $500/day (ages 18+)
$5,000 Daily Mobile Deposit Limits
Free Basic Checks
Bill Payment
Free Online/Mobile Banking

We're here to guide and provide for your child, every step of the way.

Open Now Contact Us

Building Opportunity
(Ages 19-21)

It’s never too late (or too early)to start down a path of financial security. With the Dream Builder Account— you can save more for the future you want without any hassle and keep reaching for the moon!

$25 Minimum to Open
$25 Initial Account Opening Bonus
5.00% (5.12% APY) earned on balances up to $500
Nationwide ATM fee refunds up to $10/mo*
$3,000/day Debit Card POS Limits
$500/day ATM Withdrawals
$5,000 Daily Mobile Deposit Limits
Free Basic Checks
Bill Payment
Free Online/Mobile Banking

We're here to guide and provide for your child, every step of the way.

Open Now Contact Us

*APY - Annual Percentage Yield is accurate as of 10/5/2025. 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 Annual Percentage Yield 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 will range from 2.56%-5.12%, depending on the account balance. Interest rate may be subject to change after account opening. Minimum $25 deposit required to open. A $25 initial deposit bonus will be paid within 30 days of account opening. Birthday reward for individuals ages 12 and under will receive a $10 deposit at the end of the monthly statement cycle following their birthday each year. Account specific features may vary and are dependent on the account age tier chosen. Nationwide ATM fees will be refunded up to $10 each monthly statement cycle for ages 13 and older. Customer ages 16+ will receive one free box of checks, if requested at account opening. At the end of the calendar year that accountholder reaches Age 21, this account converts to a Everyday Checking or comparable checking account offered at that time. Please visit your nearest F&M Bank location or fm.bank for additional information on the features of the Dream Builder Checking Accounts for each Age Level. Fees many reduce earnings. Bank reserves the right at any time to require not less than 7 days notice in writing before any withdrawal.

LOW MINIMUM

Open a checking account with just $25.

OPENING BONUS

Earn an extra $25 after your initial deposit.

INTEREST-BEARING CHECKING ACCOUNT

Earn 5.12% APY on balances up to $500.

EASY ACCESS

Just download our free mobile banking app.

EZ OVERDRAFT PROTECTION

Overdraft protection available for an additional charge.

DREAM BUILDER ACCOUNT

Open an account that builds a lifetime of good habits.

Meet the Dream Builder Account.

Building Blocks(Ages 0-12)

Building Know-How(Ages 13-15)

Building Steam(Ages 16-18)

Building Opportunity(Ages 19-21)

LOW MINIMUM

OPENING BONUS

INTEREST-BEARING CHECKING ACCOUNT

EASY ACCESS

EZ OVERDRAFT PROTECTION

Need us?

Building Blocks
(Ages 0-12)

Building Know-How
(Ages 13-15)

Building Steam
(Ages 16-18)

Building Opportunity
(Ages 19-21)