Home Personal Checking


Free Checking, Interest Checking and Other Personal Checking Accounts

Transfer over your current bank accounts to F&M Bank

Your money is not a cookie, so why would you put it in a one-size-fits-all, cookie cutter checking account? Your money and your checking account should be about YOU.

F&M Bank recognizes everyone has their own financial needs and style of managing their money. We offer multiple personal checking accounts to ensure you have the right account for your needs. But we don’t just offer a place for your money to live and grow.

FREE Checking

Exactly what the name says: it’s free! Free Checking at F&M Bank combines no monthly service charges with free Online Banking, Mobile Banking* and Online Bill Pay to give you the services you need without the fees.

Free Checking account information

Interest Checking

Are you “interest-ed” in earning more for your checking account balance? Interest Checking from F&M Bank allows your money to grow, starting with the very first dollar!

Interest Checking account information


Relationship Checking

This is a relationship you will never want to end. Relationship Checking offers tiered interest levels and the chance to avoid the monthly service charge by having a combined deposit and loan relationship of at least $10,000.

Relationship Checking account information

The Best Checking

This checking account is simply “the best!” Why? In addition to waiving the monthly service charge by having a combined $20,000 deposit/loan relationship with us, you get tiered interest on your balance, free ATM transactions and more than 20 other great benefits.

Best Checking account information


Ambassador Relationship Checking

Combine F&M Bank’s Relationship Checking privileges with the perks of being a member of our Ambassador Club, such as special discounted rates and more.

Ambassador Relationship Checking account information

Ambassador Best Checking

The Best Checking gets even better as this account also offers the numerous advantages from membership in F&M Bank’s Ambassador Club.

Ambassador Best Checking account information


F&M Bank also offers the following services to help you make the most of your checking account:

  • Online and Mobile Banking* and Bill Pay
  • eStatements
  • SHAZAMChek® Debit Cards
  • Privileged Status ® ATMs
  • And much more

Open Your F&M Bank Checking Account

Simply stop by any F&M Bank location today to open a checking account with us.

*Standard mobile messaging rates with your wireless carrier may apply.