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- Age 62 and older or be a Student through College
- $100.00 to open
- Free 24-hour access to TeleBank
- Free 24-hour access to Internet Banking
- MasterCard CheckCard/ATM Card available for a $1.50 maintenance fee per month
- No monthly charge
- No per item charge
- No charge for F&M ATM machine usage. Fees will apply for use at ATM machines not owned by F&M Bank.