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Online Banking

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Simply First Checking offers everything customers under age 24 need to enjoy the benefits of a checking account. Start right with an account that includes a debit card, Mobile Banking and other perks that help boost financial independence and know-how. 

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. 
Service Charge

Monthly Service Charge - $3 

Eliminate this service charge when you choose eStatements.

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