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.” From just the basics, to money saving and interest earning options. No matter which account you choose, all of our accounts include access to a suite of convenience services so you can get Banking Done Your Way almost anywhere, anytime.

YourWay Personal Checking

Our YourWay account line up is designed to help you Bank it Easy with convenience.

Find money saving features when you choose the YourWay Plus or YourWay Premier account, with YourBux Benefits. YourBux offers a variety of money saving services that you may already be using and paying for.

We invite you to get in touch to explore more and let us help find the right account for you. 

An interest earning account, packed with lots of convenience services and extra benefits designed to help you save money on services you may already be paying for. This account works hard for you, bringing you premium account features:

  • Earn interest and avoid a $9.95 monthly fee when you maintain a minimum daily balance of $1,500 or more
  • Access to YourBux benefits including cell phone protection, identity theft aid, roadside assistance, health savings, a network of local and national discounts at hundreds of retailers and more, explore YourBux Benefits.
  • Freedom card (Debit Mastercard®)
  • Unlimited fee waivers on foreign ATM withdrawals (withdrawals at non-F&M Trust ATM)*
  • No charge for your first order of checks (basic safety paper/wallet style)
  • One new safe deposit box rental, free for one year (subject to availability)
  • Complimentary Investment & Trust consultation
  • Manage your banking with a suite of convenience services such as Online and Mobile Banking, Xpress Deposit, Bill Pay and more

*Fee waiver applies to F&M Trust surcharges only. The foreign ATM fee waiver does not include applicable ATM surcharges assessed by the ATM owner. Fees may apply for balance inquiries and transfers at non-F&M Trust ATMs.

Get more than just a basic checking account without having to meet minimum balance requirements. For just $6.95 per month, this account works to pay you back with lots of money saving benefits. YourWay Plus account features:

  • No minimum balance requirement
  • Access to YourBux benefits including cell phone protection, identity theft aid, roadside assistance, health savings, a network of local and national discounts at hundreds of retailers and more, explore YourBux Benefits.
  • Freedom card (Debit Mastercard®)
  • Two fee waivers on foreign ATM withdrawals (withdrawals at non-F&M Trust ATM) per statement cycle*
  • Complimentary Investment & Trust consultation
  • Manage your banking with a suite of convenience services such as Online and Mobile Banking, Xpress Deposit, Bill Pay and more

*Fee waiver applies to F&M Trust surcharges only. The foreign ATM fee waiver does not include applicable ATM surcharges assessed by the ATM owner. Fees may apply for balance inquiries and transfers at non-F&M Trust ATMs.

For when you only need the basics and don't want the extras. YourWay Checking is a simple account and all the convenience featuring:

  • No minimum balance requirement
  • No monthly service charge
  • Freedom card (Debit Mastercard®)
  • Convenience services like Online and Mobile Banking, Xpress Deposit, Bill Pay, and more

Your Life. Your Card.

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

Contactless Payment

Contactless payment works on your everyday purchases – just tap your F&M Trust Freedom card to pay and you're on your way. Look for the contactless symbol at participating retailers when paying for items at checkout.

Savings

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

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Borrowing

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

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Resources

Bank your way with our financial services and resources.

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Services

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

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