You love when you succeed.
So do we.
Start your new journey with a new checking account from F&M!
Checking designed for you.
We're saying congratulations to the class of 2024 with a checking offer to give you a fresh start on your new journey. Now for a limited time, you could earn up to $250 when you open a new checking account from F&M! No matter where life takes you, trust our unique checking options to help get you there.If you are a 2024 Graduate using Promo Code GRAD24 and opening a new Smart Checking, Loyalty Rewards Checking, Bucks Back Checking or Secure Checking Account, you may be eligible for up to $250 as an Account Opening Deposit Match Bonus. Based on the opening deposit made, an Account Opening Deposit Match up to $250 will be deposited into your new Smart Checking, Loyalty Rewards Checking, Bucks Back Checking or Secure Checking Account at account opening. There is no minimum balance required to obtain an Account Opening Deposit Match Bonus. There may be a minimum deposit required to open one of the four Checking Accounts included in this promotion. Other account-specific requirements may apply based on the Checking Account opened, but would not affect the eligibility for receiving the Account Opening Deposit Match Bonus. The Account Opening Deposit Match Bonus will be treated as interest for IRS (Form 1099-INT) reporting purposes. There is a limit of one Account Opening Deposit Match Bonus per customer per calendar year. This offer is not available to existing F&M checking account customers or those with an F&M checking account closed within the last six months. The Account Opening Deposit Match Bonus offer expires on August 31, 2024.
Compare and decide for yourself
Compare and decide for yourself
If you're ready to start your new journey off on the right path, trust our unique checking accounts to help you get there. Account options eligible for the graduate promo may vary.
| Compare | Smart Checking | Loyalty Rewards Checking | Bucks Back Checking | Secure Checking | Dream Builder Checking |
|---|---|---|---|---|---|
| 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 | |||||
| Debit card POS limits | $3,000 for age 18+, $500 for age 13-17 | ||||
| Mobile deposit limits | Starting at age 16 |
