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    Discover Power Checking ... the account that works as hard as you do!

    Power Checking is perfect for...almost everyone! This versatile account has extraordinary features, as well as time- and money-saving advantages like automatically reimbursed, non-F&M Bank ATM use and comprehensive identity theft protection and credit monitoring. Whether you’re heading off to college, a busy parent, working professional or retiree, F&M Bank’s Power Checking works hard for you. 

    Account Features

    Service Charge
    • Monthly Service Charge - $10 

    However, you have the power to reduce or eliminate this service charge. Simply choose e-statements for a $2 reduction. Then select one of the following options: 

    • Option #1: Each swipe of your F&M Debit Card will count towards earning a service charge credit up to a maximum of $8. 
    • Option #2: Maintain an average ledger balance of $5,000 in your checking account or a combined average ledger balance of $7,500 in your F&M checking, savings and/or money market accounts to reduce your service charge by $8. 

    *Reimbursement for up to five (5) non-F&M Bank ATM surcharge fees and waiver of corresponding F&M Bank’s ATM fee per statement period.