| What you get with F&M Bank’s POWER Checking |
| Minimum Opening Balance Requirement |
$50.00 deposit required to open account |
| Free Nationwide ATM Usage up to 5 times a month |
You have the power to use any ATM without worry. We won’t charge you when you use another bank’s ATM and we’ll even automatically reimburse surcharges imposed by non-F&M Bank ATMs.
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| Free Identity Theft Protection |
Identity theft is one of the fastest growing crimes in the world. Avoid being a victim and facing the time-consuming and often expensive task of reestablishing a good name and credit. A few of the services provided are as follows:
- Up to $10,000 identity fraud expense reimbursement coverage
- Full Resolution Services to assist in recovery
- Credit Watch 3-in-1 Credit File Monitoring
- Total Identity Monitoring
- Debit and Credit Card Registration
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| Free Online Banking |
Save time and money by using Online Banking to manage your finances. Available to you 24 hours a day, 7 days a week from any Internet connection, F&M Bank is always at your fingertips.
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| Free Online Bill Pay |
Reduce your need for checks, envelopes and stamps with Online Bill Pay. It only takes a few minutes and a click of the mouse to conveniently pay your bills.
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| Free Mobile Banking |
Now, it's quick and easy to securely access all of your F&M account information whenever you need it. With F&M Mobile Banking, you can check your account balances, pay bills, transfer funds and monitor your transactions any time, any place, and right from your phone.
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| Free Visa® Debit Card |
An F&M Bank Check Card, also known as a debit card, is a card that works like a check only better! When you use your check card to make purchases, the amount is deducted directly from your checking account.
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| Free Email Alerts |
Receive account information or customized reminders via email.
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Free E-Statements
(if desired) |
Protect yourself, simplify your life and enjoy the convenience of having your bank account statements online and available to you at the click of a mouse.
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| Free Exclusive F&M Wallet Checks |
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| $1,000 Standard Overdraft Privilege Service |
Overdraft Privilege is a service designed to provide our customers with peace of mind in case of an emergency. For many of our customers this is a valued safety net offering flexibility and protection from the potential embarrassment of insufficient funds and the associated merchant fees.
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| Competitive Interest Rate |
Interest earning account
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| Monthly Maintenance Fee |
$8.00 a month; unless you do one of the following:
- Use your F&M Check Card and receive a monetary credit towards reducing your monthly fee each time you swipe your check card until it becomes $0.00
- Maintain average balance of $5,000 in your checking account or combined balances of $7,500 in checking, savings, or money market account
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