Open An Account Online

Welcome to a convenient, secure way to open an account online — for current customers and new ones.

Filling out an application is easy, and usually takes less than 10 minutes to complete if you have the following information about you and any joint account holders on hand: social security number, driver's license number, current address. If you're a new customer, you'll also need information from your current checking account (financial institution name, account number, routing number) to fund the account.

To get started, please select an account from the list below and click 'submit' at the bottom of the page. (Please note: You must be at least 18 years old to apply online.)

Checking Accounts

Free Checking

Just the basics. No minimum balance and no monthly service charge. Get unlimited check writing privileges along with free online banking and bill pay, free telephone banking. Free Freedom Card (Debit MasterCard) available for this account.

Checking Plus

Earn interest with a low monthly balance. No monthly service charge if a $500 average daily balance is maintained. Earn interest on balances over $1,000. Unlimited check writing privileges, check images with statement, and free online banking, bill pay and telephone banking. Free safety paper checks (standard blue wallet) OR 50% off customer checks. Free Freedom Card (Debit MasterCard) available for this account.

Senior Checking

A free account for customers over age 60. No minimum balance and no monthly service charge. Get unlimited check writing privileges along with free online banking, bill pay and telephone banking. Free ‘senior’ checks and check images returned with your statement. Free Freedom Card (Debit MasterCard) available for this account.

Savings & CDs

Investor Savings

For the new saver or anyone who wants easy access to their savings. Make deposits, withdrawal or transfer funds as often as you’d like in person or at any F&M Trust ATM. No monthly fee when you maintain a minimum daily balance of $250. Earn interest on balances over $1.

Money Management Account

Get money market interest rates with maximum liquidity. Earn tiered variable interest rates on the entire balance and get access to your account in person or at the ATM. No monthly service fee by maintaining an average daily balance of $1,000. Interest compounded daily on average collected balances over $2,500, credited monthly.

Certificates of Deposit

Whether short or long term, F&M Trust CDs offer security with greater earning potential. Maturity periods from 30 days to 5 years with an automatic renewal feature.


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