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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 or with eStatements: $8 
        When you open your account you will select one of the following options that best suits your needs:
        • Option #1: Each time you use your F&M Bank Debit Card (excluding ATM withdrawals) it 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 ATM surcharge fees and waiver of corresponding F&M Bank’s ATM fee per statement period. See product disclosure for additional information.