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Checking

  Free Checking eChecking Interest Checking Relationship Checking

Health Savings Account (HSA)

Opening Deposit $0 $0 $0 $0 $0
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

Interest Paid

No No Yes Yes, according to these checking balance levels:
  • $0 - $9,999
  • $10,000 - $49,999
  • $50,000 and over
Yes
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 **
  • eStatements free - Paper statement fee $3.50 per month
  • .25% discount on consumer loans with auto debit **
  • .25% discount on consumer loans with auto debit **
  • Money Orders free
  • First year small safe deposit box rental free
  • Free estate planning and retirement plan review
  • .25% discount on consumer loans with auto debit **
  • Money Orders & Cashier's Checks free
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.