Checking Solutions - Account Options

Keeping life easy is what F&M Trust is all about. As you'd expect, we offer a wide variety of checking accounts to meet your needs. We'll be glad to help you pick the account that best fits your needs.  Open New Account

Free Checking

An account for customers who want the basics, with no frills and no minimum balance to maintain or monthly fee to worry about.  

Account features:
  • No monthly service charge
  • No minimum balance requirement
  • Unlimited check writing privileges
  • Free online banking and bill pay
  • Free mobile banking and Mobile Xpress Deposit
  • Free telephone banking
  • Free access to F&M Trust ATMs using your free Freedom Card (Debit MasterCard)
  • $500 Courtesy Coverage (Overdraft Protection) available

Checking Plus

For customers who want to earn interest on their checking with a low monthly balance.

Account features:
  • No monthly service charge when you maintain a $500 average daily balance
  • Earn interest on balances over $1,000
  • Unlimited check writing privileges
  • Check images returned with your statement for easy record keeping
  • Free online banking and bill pay
  • Free mobile banking and Mobile Xpress Deposit
  • Free telephone banking
  • Free access to F&M Trust ATMs using your free Freedom Card (Debit MasterCard)
  • Free safety paper checks OR custom design checks at 50% off
  • $500 Courtesy Coverage (Overdraft Protection) available

Senior Checking

If you're over age 60, here's an account with no frills and no minimum balance to maintain or monthly fee to worry about.

Account features:
  • No monthly service charge
  • No minimum balance requirement
  • Unlimited check writing privileges
  • Check images returned with your statement
  • Free “senior” checks
  • Free online banking and bill pay
  • Free mobile banking and Mobile Xpress Deposit
  • Free telephone banking
  • Free access to F&M Trust ATMs using your free Freedom Card (Debit MasterCard)
  • $500 Courtesy Coverage (Overdraft Protection) available 

Compare the benefits of F&M Trust Checking Accounts

Did you know we also offer:
  • Direct Deposit of payroll, retirement and social security checks, and dividend checks
  • Automatic transfers to savings 

^ Foreign ATM fee waiver does not include applicable ATM surcharge assessed by ATM owner.

Terms subject to change.

 
Member FDIC