|Free Checking||eChecking||Interest Checking||Relationship Checking||
Health Savings Account (HSA)
|Minimum Balance||$0||$0||$500 to avoid service charge||$0||$0|
|Monthly Service Charge||None||$0||$8/month if daily balance is less than $500||$10,000 Combined Balance Relationship or $10/month||Statements are delivered electronically free of charge. Paper statements fee $3.50 monthly|
|No||No||Yes||Yes, according to these checking balance levels:
|ATM Processing Fees *||Free withdrawals at F&M Bank-owned machines. $2.50 per withdrawal at non bank-owned machines.||Free withdrawals at F&M Bank owned machines. 5 free withdrawls per month at non-F&M Bank owned machines & $1.25 for additional withdrawls.||
Free withdrawals at F&M Bank-owned machines. $1.50 per withdrawal at non bank-owned machines.
|Free withdrawals at F&M Bank-owned machines. 5 free withdrawals per statement cycle at non F&M Bank-owned machines and $1.25 for additional withdrawals.||Free withdrawals at F&M Bank-owned machines. $1.50 per withdrawal at non bank-owned machines.|
|Check Printing Costs||No discount||No Discount||No discount||Free F&M exclusive design wallet checks; no discount on other styles||No discount|
|Online Bill Pay||$4.95||No Charge||$4.95||No Charge||$4.95|
|Other Benefits||.25% discount on consumer loans with auto debit **||
||Free review of HSA needs by our Trust Department to determine if investment options are appropriate|
* Does not include any applicable foreign ATM fees charged by the ATM owners.
** Loan discounts are only available to qualified customers with auto debit from your checking account at our bank and do not apply to special loan promotions.
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