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Senior man with dog meeting with mature woman in F&M Bank office.

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. 


Account Features

  • 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 

Service Charge

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.