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- No minimum balance requirements
- Unlimited paper check writing, MasterCard CheckCard transactions, ATM withdrawals and automatic transfers
- 24/7 cash and debit card access with MasterCard CheckCard/ATM Card
- Free 24-hour access to TeleBank
- Free 24-hour access to Internet Banking
- Online bill payment, ask for a fee schedule
- Free notary public service
- Free first month balancing help, if needed
- Free convenient statement binder
- $8.50 maintenance fee per month
- No charge for F&M ATM machine usage. Fees will apply for use at ATM machines not owned by F&M Bank.