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Switch Kit

Open account online.

Welcome to a convenient, secure way to open an account online - for current customers and new ones.

Filling out an application is easy, and usually takes less than 10 minutes to complete if you have the following information about you and any joint account holders on hand: social security number, driver's license number, current address.  If you're a new customer, you'll also need information from your current checking account (financial institution name, account number, routing number) to fund the account.

To get started, please select an account from the list below and click 'submit' at the bottom of the page.
(Please note: You must be at least 18 years old to apply online.)


Please note that all fields marked * are required.

Checking Accounts

Just the basics. No minimum balance and no monthly service charge. Get unlimited check writing privileges along with free online banking and bill pay, free telephone banking. Free Freedom Card (Debit MasterCard) available for this account.
Earn interest with a low monthly balance. No monthly service charge if a $300 average daily balance is maintained. Earn interest on balances over $1,000. Unlimited check writing privileges, check images with statement, and free online banking, bill pay and telephone banking. Free Freedom Card (Debit MasterCard) available for this account.
Get the most value with extra savings and benefits. No service charge when you maintain $10,000 or more in qualified loans and/or deposit accounts. Earn a higher rate of interest on balances over $5,000. Unlimited check writing privileges, check images with statement, and free online banking, bill pay and telephone banking. Free or discounted checks and discounts on certain consumer loans, lines of credit and safe deposit box rentals. Free Freedom Card (Debit MasterCard) available for this account.
A free account for customers over age 60. No minimum balance and no monthly service charge. Get unlimited check writing privileges along with free online banking, bill pay and telephone banking. Free ‘senior’ checks and check images returned with your statement. Free Freedom Card (Debit MasterCard) available for this account.
For customers age 50 or better. Get higher interest rates and no service charges when you maintain balances of $2,500 or more (interest earned on balances of $1,000 or more). Get unlimited check writing privileges, check images returned with statement and free GO Club checks. Free online banking, bill pay and telephone banking. Enjoy a free quarterly Go Club newsletter and access to exclusive Go Club trips and events. Free Freedom Card (Debit MasterCard) available for this account.

Savings & CDs

For the new saver or anyone who wants easy access to their savings. Make deposits, withdrawal or transfer funds as often as you’d like in person or at any F&M Trust ATM. No monthly fee when you maintain a minimum daily balance of $250. Earn interest on balances over $1.
Get money market interest rates with maximum liquidity. Earn tiered variable interest rates on the entire balance and get access to your account in person or at the ATM. No monthly service fee by maintaining an average daily balance of $1,000. Interest compounded daily on average collected balances over $2,500, credited monthly.
Whether short or long term, F&M Trust CDs offer security with greater earning potential. Maturity periods from 30 days to 5 years with an automatic renewal feature.


Member FDIC