Checking Account Options

If you want extra convenience and value in your checking, you've come to the right place. Anytime access, anywhere convenience and dependable value. That's where every F&M Trust checking account starts, and then builds from there to help you match checking account features to your lifestyle. 

Free Checking -- When you only want the basics, with no frills, no minimum balance requirement, and no monthly service fee.  Account features include unlimited check writing privileges, free online banking with e-statements, free telephone and mobile banking with Mobile Xpress Deposit, and free unlimited online bill pay transactions.

Checking Plus -- Get more out of your account with Checking Plus. Designed for customers who want to earn interest without maintain a high minimum balance requirement. Account features include no monthly service fee when you maintain a $500 average daily balance and earned interest with and average daily balance of $1,000 or more. Added benefits for our Checking Plus customers include free safety paper checks (standard blue wallet) OR 50% off custom checks, check images returned with your statement for easy record keeping, and 4 free foreign ATM withdrawals per statement cycle.*

Senior Checking -- A free checking account for customer age 60 or better. Account features include no minimum balance requirement and no monthly service fee.  Added benefits for our Senior Checking customers include earning interest on average daily balances of $1,000 or more, check images returned with your statement for easy record keeping, and free "senior" wallet checks.  

As a 100% local bank, we're available to answer your questions and help you choose the best checking option for you. Already know what you are looking for? We've made opening a new checking account easy with online account opening.  Click Here to get started. 

*Foreign ATM fee waiver does not include applicable ATM surcharge assessed by ATM owner. Fees may apply for balance inquiries and transfers at non-F&M Trust ATMs. 
Terms subject to change.


Savings Account Options

When you are putting money away for the future and using it to earn additional money, look to F&M Trust for solutions to your savings and investing needs. Putting your money in the right account can make a real difference in your financial future. Whether you’re saving for major purchases, vacations, college tuition, or retirement, you’ll find a variety of savings products and investments that will work hard for you to reach your goals.

Money Management -- F&M Trust's Money Management Account gives you the flexibility and liquidity of a bank money market account, paying a competitive rate of interest changing periodically to reflect market conditions.


Certificates of Deposit -- For short-term vacation plans or lifelong investing, Certificates of Deposit (CDs) offer maturity periods from 30 days to 5 years for predictability in income and interest. Combining security with greater earning potential, CDs generally return higher rates of interest than savings or money market deposit accounts.


Individual Retirement Account (IRA) -- Save for retirement while deferring tax liability. Whether IRA contributions are deductible depends upon an individual's income, filing status, type of IRA, and coverage under an employer's qualified plan. We offer IRA Certificates of Deposit and Savings Accounts as well as other alternatives (non-FDIC insured investments) through F&M Investment Services.


Health Savings Account (HSA) -- A Health Savings Account can be a great compliment to a High Deductible Health Plan, offering a way to set aside funds to pay for today and tomorrow's medical expenses.


Investor Savings -- This account is perfect for the saver who is just starting out or anyone who wants easy access to their money. You can make deposits as often as you wish and can withdrawal or transfer money at ATMs or any F&M Trust Community Office.


Young Savers Account -- Especially designed for young persons under age 18, the account helps them learn the importance of savings with no minimum balance or monthly service fee.

Member FDIC