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Freedom Card

F&M Trust Senior Checking Account Solutions

Compare features and choose the account that works best for you.


Senior Checking
Open New Account
GO Club Checking
Open New Account
GO Club Relationship
Avoid monthly fees when you: You are age 60 or better You are age 50 or better AND maintain a $2,500 average daily collected balance in this account You are age 50 or better with a Relationship Checking account.
Fees that apply if you don't meet the requirements: None, regardless of balance $10 per month $15 per month
Account Features
Earns Interest
Minimum Balance to Earn Interest $1,000 $1,000 $1,000
Tiered Interest Rates
(All checking rates are variable and subject to change.)


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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)
$3.00 per foreign ATM withdrawal $3.00 per foreign ATM withdrawal FREE - unlimited transactions
Online Banking FREE FREE FREE
Online Bill Pay FREE - unlimited transactions FREE - unlimited transactions FREE - unlimited transactions
Check Orders FREE "senior" checks FREE GO Club checks FREE GO Club OR safety paper checks OR 50% off custom design checks
Check Images
(returned in statement)
FREE FREE FREE
Additional Benefits
Travelers Cheques
(single signature style)


FREE
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%
Safe Deposit Box Rental Discount

$13 off annual rental
Other Benefits
GO Club trips 5% off GO Club trips

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

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.

Member FDIC