F&M Trust Personal Checking Account Solutions

Compare features and choose the account that works best for you.

Free Checking
Open New Account
Checking Plus
Open New Account
Senior Checking
Open New Account
Avoid monthly fees when you: No minimum balance required! Maintain a $500 average daily collected balance in this account. Are age 60 or better
Fees that apply if you don't meet the requirements: None, regardless of balance $5 per month None, regardless of balance
Account Features
Earns Interest
Minimum Balance to Earn Interest
$1,000 $1,000
Tiered Interest Rates
(All checking rates are variable and subject to change.)

Click here for rates

Courtesy Coverage
(Overdraft Protection)
Freedom Card (Debit Card) FREE FREE FREE
Access at F&M Trust ATMs FREE FREE FREE
Access at other ATMs
(subject to ATM owner surcharge)
$3.00 per foreign ATM withdrawal 4 FREE foreign withdrawals per cycle ($3.00 per withdrawal in excess of 4) $3.00 per foreign ATM withdrawal
Online Banking FREE FREE FREE
Online Bill Pay FREE - unlimited transactions FREE - unlimited transactions FREE - unlimited transactions
Check Orders Printing fees apply Printing fees apply FREE "senior checks"
Check Images
(returned in statement)
Not included; available for $3 per cycle FREE FREE

Account Disclosures - Truth in Savings (Reg DD) and Terms & Conditions

The checking accounts listed in this chart are not available for non-personal accounts. Please see a customer service representative for full details.

Overdraft Protection is also available through a line of credit or a linked savings account. Consumer loans and overdraft protection offered through a line of credit are subject to credit approval and certain limitations apply.

For ATM transactions, if you conduct your transaction at an ATM owned by another financial institution, that other financial institution may charge you a surcharge or ATM transaction fee.

For Online Bill Pay, your checking account must be designated as your Online billing account.

F&M Trust reserves the right at any time, at its sole discretion and without notice, to change the benefits of, or discontinue any account offering or relationship program.


Member FDIC