Checking Accounts

Checking account options for every stage of life.

Find a checking account that fits your needs.

Free Checking

Apply at a Branch

A personal checking account with no monthly service charge or minimum balance.

$0 Minimum to open account
Free debit card
Free standard F&M State Bank checks
No monthly maintenance fee
24/7 online and mobile account access with free BillPay

Contact a Branch

Interest Checking

Apply at a Branch

If you have higher account balances, earn interest on your money and get more from your checking account.

$0 Minimum to open account
Pays interest
Free debit card
Free standard F&M State Bank checks
24/7 online and mobile account access with free BillPay
$10 maintenance fee if balance falls below $1,000

Contact a Branch

Checking Account Benefits

Mobile Banking

Pay almost anywhere you can swipe or tap.

Online Banking

Manage and organize your finances 24/7.

Digital Payments

Apple Pay^TM – Visa SRC – Samsung Pay; whatever your preference, pay with convenience.

Account Alerts

Balance getting low? Upcoming payments? Stay in-the-know with custom alerts.

Pair your checking account with a Visa^® Debit Card

Receive a free ATM/Debit Card when you open an account and get fast and easy access to your savings, checking, or prepaid account at millions of Merchant Point of Sale Terminals or ATMs.

No monthly or annual fees
No service fees for point-of-purchase sales at merchants accepting Visa^® cards
Make quick and easy payments with your debit card, in replacement of writing checks
Withdraw, deposit, transfer funds and check balances from your checking or savings accounts at an ATM

¹Please look for the Circle One icon