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.) |
|
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 |
$1.25 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% |
| Home Equity Select Discount |
|
|
0.50% |
| 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