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- No minimum balance requirements
- Free 24-hour access to TeleBank
- Free 24-hour access to Internet Banking
- Online bill payment, ask for a fee schedule
- MasterCard CheckCard/ATM Card available for a $1.50 maintenance fee per month
- $6.00 maintenance fee per month
- An item fee of $.15 will be imposed on each withdrawal
- Each month, a $.30 credit on the item and maintenance fees will be given for each $100.00 lowest ledger balance in the account
- No charge for F&M ATM machine usage. Fees will apply for use at ATM machines not owned by F&M Bank.