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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, monitoring and resolution service. 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

Receive a $2 eStatement credit, simply by electing to receive electronic statements.

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. All transactions must post during the statement period.
  • 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 Bank checking, savings and/or money market accounts during the statement period to reduce your service charge by $8.

To learn more about our personal checking accounts, contact an F&M team member or stop by any F&M location.

Apply for an account now!


*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.