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Online Banking

Banker review checking accounts with female customer.

Prefer to keep things simple? Simply Yours goes well beyond the basics to deliver comprehensive benefits at an exceptional value.


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.
Service Charge
Monthly Service Charge - $6

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