Keeping life easy is what F&M Trust is all about.

As you'd expect, we offer a wide variety of checking accounts to meet your needs. We'll be glad to help you pick the account that best fits your needs.

Free Checking Checking Plus Relationship Checking
Avoid monthly fees when you: No minimum balance required! Maintain a $300 average daily collected balance in this account. Have a combined balance of $10,000 in eligible accounts (ask for details).*
Fees that apply if you don't meet the requirements: None, regardless of balance $5 per month $15 per month
Account Features
Earns Interest
Minimum Balance to Earn Interest $1,000 $1,000
Tiered Interest Rates
(All checking rates are variable and subject to change.)

Click here for rates

Click here for rates
Courtesy Coverage
(Overdraft Protection)
Freedom Card (Debit Card) FREE FREE FREE
Access at F&M Trust ATMs FREE FREE FREE
Access at other ATMs
(subject to ATM owner surcharge)
$1.25 per foreign ATM withdrawal 4 FREE foreign withdrawals per cycle ($1.25 per withdrawal in excess of 4) FREE - unlimited transactions
Online Banking FREE FREE FREE
Online Bill Pay FREE - unlimited transactions FREE - unlimited transactions FREE - unlimited transactions
Check Orders Printing fees apply Printing fees apply FREE safety paper checks OR 50% off custom design checks
Check Images
(returned in statement)
Not included; available for $3 per cycle FREE FREE
Additional Benefits
Travelers Cheques
(single signature style)
Medallion Stamp FREE
Drafting Discount on Home Equity and Instalment Loans 0.25% 0.25% 0.25%
Discounts on new Direct Installment loans, new Home Equity loans, and Home Equity Lines of Credit 0.25%
Home Equity Select Discount 0.50%
Safe Deposit Box Rental Discount $13 off annual rental

Account Disclosures - Truth in Savings (Reg DD) and Terms & Conditions

*Services that can help you meet the combined balance - Personal checking and savings accounts including: Free Checking, Checking Plus, Relationship Checking, Investor Savings, Passbook Savings, Club Savings, Money Management, Money Market, IRA Savings, and Certificates of Deposit; Personal loans including: Direct installment loans and Home Equity loans.

The checking accounts listed in this chart are not available for non-personal accounts. Please see a customer service representative for full details.

Overdraft Protection is also available through a line of credit or a linked savings account. Consumer loans and overdraft protection offered through a line of credit are subject to credit approval and certain limitations apply.

For ATM transactions, if you conduct your transaction at an ATM owned by another financial institution, that other financial institution may charge you a surcharge or ATM transaction fee.

For Online Bill Pay, your checking account must be designated as your Online billing account.

F&M Trust reserves the right at any time, at its sole discretion and without notice, to change the benefits of, or discontinue any account offering or relationship program.