Put your money to work with a checking account that offers interest rates exclusively for Signature Checking. This account is ideal for customers who are able to maintain higher monthly account balances and/or have a loan relationship with F&M Bank. Plus, the account’s valuable extras help increase your financial security.
- Minimum Opening Balance - $50 deposit required to open account
- Online Banking with Bill Pay - Have an Internet connection? Bank 24 hours a day.
- Mobile Banking - Securely check your balances, pay bills and more from your phone or tablet.
- Mobile Deposit (upon approval) - Deposit checks directly from your mobile device.
- Email & Text Alerts - Important info comes straight to your inbox.
- eStatements - View account statements online as soon as they’re ready.
- F&M Bank Debit Card - Swipe/insert-and-go ease with worldwide acceptance.
- Overdraft Privilege (available upon qualification) - Peace of mind in case of a mistake or emergency.
- Earns Tiered Interest Rates dependent on account balances.
- F&M Specialty Wallet Checks - Once per calendar year
- Identity Theft Protection Service & Credit Monitoring - Help to avoid and resolve identity theft.
- Official Checks at no charge - Six (6) times per calendar year
- Stop Payment Orders at no charge - Two (2) times per calendar year
- Complimentary 3 x 5 Safe Deposit Box - Or a $40 discount on larger size per calendar year
Monthly Service Charge - $25
Eliminate this service charge if one (1) of the following activities occurs during the statement period:
- Maintain an average ledger balance of $10,000 in this account
- Maintain a combined average ledger balance of $25,000 in your F&M checking, savings and/or money market accounts
- Have a combined outstanding loan balance of $100,000 or more on your F&M mortgage, home equity line of credit and/or consumer loans*
*For this option, the Signature Checking primary account holder must be either the primary or joint borrower on the qualifying loan(s). See product disclosure.