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DREAM BUILDER ACCOUNT

The best checking account just for kids

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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.

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Compare	Building Blocks (AGES 0-12)	Building Know-How (AGES 13-15)	Building Steam (AGES 16-18)	Building Opportunity (AGES 19-21)
Minimum to Open Account	$25	$25	$25	$25
Initial Deposit Bonus	$25	$25	$25	$25
Interest Rate Tier 1 (balances up to $500)	5.00%	5.00%	5.00%	5.00%
Annual Percentage Yield (APY) (balances up to $500)	5.12%	5.12%	5.12%	5.12%
Interest Rate Tier 2 (balances above $500)	0.01%	0.01%	0.01%	0.01%
Annual Percentage Yield (APY) Tier 2 (balances above $500)	0.01%	0.01%	0.01%	0.01%
Annual Percentage Yield Range (APY)	2.56% – 5.12%	2.56% – 5.12%	2.56% – 5.12%	2.56% – 5.12%
Nationwide ATM Fee Refunds		Up to $10/month*	Up to $10/month*	Up to $10/month*
Free Basic Checks
Birthday Reward	$10
Debit Card POS Limits		$500/day	$500 for Age 16/17; $3,000 for Age 18+	$3,000/day
ATM Withdrawals		$250/day	$250/day for Ages 16-17; $500/day for Ages 18+	$500/day
Online Banking	Parents Only	Parents Only
Bill Payment
Mobile Banking	Parents Only	Parents Only
Mobile Deposit Limits		$5,000/daily	$5,000/daily	$5,000/daily
Adult on Account				Optional

Using the FAIR100 Promo Code, you are eligible for up to a $100 account opening deposit bonus match on your opening deposit, if you open a Dream Builder Checking account using your Junior Fair Check. We will match your deposit up to $100 and credit your new Dream Builder Checking Account within 30 days after your account has been opened using your Junior Fair Check. No minimum balance is required to obtain this bonus. Account specific requirements may apply which do not affect the eligibility to receive this opening deposit bonus match. This opening deposit bonus match is not available to existing Dream Builder Checking Account customers. If you close your new account within 180 days of account opening, the account opening deposit bonus match may be forfeited and it will be deducted from the account balance at closing. If your Dream Builder Checking Account is opened during the FAIR100 promotion period, and you subsequently receive a Junior Fair Check, we will match the subsequent deposit of your Junior Fair Check up to $100. Deposit of the Junior Fair Check must be made during the effective dates of the promotion period. The Junior Fair Check deposit match will be provided within 30 days of the deposit of your Junior Fair Check. Promotional Period Effective: July 28, 2025 to December 31, 2025.

*APY - Annual Percentage Yield is accurate as of 07/28/2025. 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.

The $100 Account Opening Deposit Bonus Match, the $25 Dream Builder Account Initial Deposit Bonus, and the $10 Birthday Reward paid on the Dream Builder Account will be treated as interest for IRS (Form 1099-INT) reporting purposes.

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.