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Checking Choices

eStatements

Checking Solutions - Account Options

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.  Open New Account

Free Checking

An account for customers who want the basics, with no frills and no minimum balance to maintain or monthly fee to worry about.  

Account features:
  • No monthly service charge
  • No minimum balance requirement
  • Unlimited check writing privileges
  • Free online banking and bill pay
  • Free mobile banking and Mobile Xpress Deposit
  • Free telephone banking
  • Free access to F&M Trust ATMs using your free Freedom Card (Debit MasterCard)
  • $500 Courtesy Coverage (Overdraft Protection) available

Checking Plus

For customers who want to earn interest on their checking with a low monthly balance.

Account features:
  • No monthly service charge when you maintain a $500 average daily balance
  • Earn interest on balances over $1,000
  • Unlimited check writing privileges
  • Check images returned with your statement for easy record keeping
  • Free online banking and bill pay
  • Free mobile banking and Mobile Xpress Deposit
  • Free telephone banking
  • Free access to F&M Trust ATMs using your free Freedom Card (Debit MasterCard)
  • $500 Courtesy Coverage (Overdraft Protection) available

Relationship Checking

Get the most out of your checking relationship. Relationship Checking is a package of accounts that offers you the most value with extra savings and benefits.

Account features:
  • No monthly service charge when you maintain $15,000 or more in qualified consumer loans and/or deposit accounts ~
  • Unlimited check writing privileges
  • Check images returned with your statement
  • Free online banking and bill pay
  • Free mobile banking and Mobile Xpress Deposit
  • Free unlimited transactions at all ATMs ^
  • Free telephone banking
  • $1000 Courtesy Coverage (Overdraft Protection) available
  • Higher rate of interest than Checking Plus on checking balances over $5,000
  • Free safety paper checks OR custom design checks at 50% off
  • No fee American Express Traveler’s Cheques (one signature style)
  • Free medallion stamp
  • .25% discount on new direct installment loans ^^
  • .25% discount on new Home Equity loans ^^
  • .50% discount on Home Equity line of credit ^^
  • $13 discount on your annual safe deposit box rental

Compare the benefits of F&M Trust Checking Accounts

Senior Checking

If you're over age 60, here's an account with no frills and no minimum balance to maintain or monthly fee to worry about.

Account features:
  • No monthly service charge
  • No minimum balance requirement
  • Unlimited check writing privileges
  • Check images returned with your statement
  • Free “senior” checks
  • Free online banking and bill pay
  • Free mobile banking and Mobile Xprerss Deposit
  • Free telephone banking
  • Free access to F&M Trust ATMs using your free Freedom Card (Debit MasterCard)
  • $500 Courtesy Coverage (Overdraft Protection) available 

Compare the benefits of F&M Trust Senior Checking Accounts

Golden Opportunity Club Checking

If you're age 50 or better and maintain balances of $2,500 or more, take advantage of higher interest rates, no services fees, and added value from the Golden Opportunity Club.

Account features:
  • No monthly service charge when you maintain a $2500 average daily balance
  • Earn interest on balances over $1,000
  • Unlimited check writing privileges
  • Check images returned with your statement
  • Free GO Club checks
  • Free online banking and bill pay
  • Free mobile banking and Mobile Xpress Deposit
  • Free telephone banking
  • Free access to F&M Trust ATMs using your free Freedom Card (Debit MasterCard)
  • Free quarterly newsletter
  • GO Club trips and events
  • $500 Courtesy Coverage (Overdraft Protection) available

Golden Opportunity (GO) Club Relationship Checking

For our customers age 50 and better, the Golden Opportunity Club Relationship Checking offers extra benefits to help save you money and to enjoy social events and group travel.

Account features:
  • Unlimited check writing privileges
  • Check images returned with your statement
  • No monthly service charge when you maintain $15,000 or more in qualified consumer loans and/or deposit accounts ~
  • Higher rate of interest on checking balances over $5,000
  • Free GO Club or safety paper checks OR custom design checks at 50% off
  • Free online banking and bill pay
  • Free mobile banking and Mobile Xpress Deposit
  • Free unlimited transactions at all ATMs ^
  • Free telephone banking
  • Higher rate of interest than GO Club Checking on checking balances over $5,000
  • $1000 Courtesy Coverage (Overdraft Protection) available
  • No fee American Express Traveler’s Cheques (one signature style)
  • Free medallion stamp
  • 5% off GO Club trips
  • .25% discount on new direct installment loans ^^
  • .25% discount on new Home Equity loans ^^
  • .50% discount on Home Equity line of credit ^^
  • $13 discount on your annual safe deposit box rental

Did you know we also offer:
  • Direct Deposit of payroll, retirement and social security checks, and dividend checks
  • Automatic transfers to savings


~ Based upon outstanding balances in Home Equity loans and lines of credit, personal lines of credit, and direct installment loans and/or average daily balances in your designated checking, savings, Money Management, IRA, and certificates of deposit as of the cycle date of your Relationship Checking account.

^ Foreign ATM fee waiver does not include applicable ATM surcharge assessed by ATM owner.

^^ Subject to Credit Approval.

Terms subject to change.

 
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