A Checking Account Designed Just for You

Nothing is more personal than your checking account. That’s why we offer options that are anything but “one size fits all.” But all of our checking accounts do come with a suite of personal features designed to give you access and control of your funds anywhere, anytime.

Personal Checking Account Types

Every personal checking account includes:

  • Online banking and bill pay
  • Mobile banking
  • Freedom card (Debit Mastercard®)
  • Mobile Xpress Deposit

We get it — you want to keep it simple. Our Free Checking account features:

  • No minimum balance requirement
  • No monthly service fee
  • Unlimited check writing
  • A monthly paper statement mailing fee of $2.00 applies - fee can be avoided by enrolling in electronic statement delivery.

Need your checking to work a little harder for you? We’ve got you covered. Our Checking Plus account features:

  • No monthly service fee with a $1000 average daily balance
  • Earned interest with an average daily balance of $1,000 or more
  • Free standard checks or 50 percent off custom checks
  • Check images included in statements
  • Four free foreign ATM withdrawals per statement cycle*

Want to balance your accounts from a skate park? Pay bills from your sofa? Our Mobile Checking account has you covered. This account was designed for the fast lane and features:

  • No minimum balance
  • No monthly service fee
  • Freedom card (Debit Mastercard®)
  • Unlimited foreign ATM withdrawals*

*Foreign ATM fee waiver does not include the applicable ATM surcharge assessed by the ATM owner. Fees may apply for balance inquiries and transfers at non-F&M Trust ATMs. Terms are subject to change.

Your Life. Your Card.

Customize your debit card. Choose your own photo or one from our gallery. Simply click here to get started.


Whether you’re saving for a vacation or an emergency, we’re ready to help.

Learn More

Buying a home or a car? We’ve got you covered.

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Bank your way with our financial services and resources.

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We have many options to make banking more convenient and accessible.

Learn More


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