- 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.
However, you can receive a service charge credit each statement period to reduce or eliminate this service charge.
You will receive a $2 credit for choosing eStatements.
Then you will receive a $2 credit for each of the following activities that occur during the statement period (up to a maximum of $4):
- Maintain direct deposit(s) totaling $250 or more
- Make 10 or more debit card transactions (excluding ATM withdrawals)
- Maintain a minimum daily ledger balance of $500 in this account