You deserve a chance to start over. If you've had a hard time getting or maintaining a checking account, our Clean Start Checking is for you. You get online banking to keep you on track, plus there's never a minimum balance requirement. All for a low monthly fee. Start clean — it's easy with F&M.

  • Ideal account for rebuilding or establishing credit
  • No minimum balance
  • Low $9.95 monthly service fee
    • $7.95 monthly service fee with direct deposit
  • Free online banking
  • Free mobile banking
  • Free online statements
  • Free debit card
  • Free online check image access
  • Unlimited check writing
  • $50 minimum deposit to open

*All nonsufficient funds (NSF) items will be returned. Each NSF item is subject to a NSF Charge and a Negative Checking Balance daily fee beginning on the 4th day that the account is overdrawn.