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Personal Checking

Checking Accounts
	Hometown Advantage	F&M Hometown Checking	F&M Student Checking	F&M 50 Club	Now
Minimum Opening Deposit	$100.00	$100.00	$50.00	$500.00	$1000.00
Minimum Balance	$0	$0	$0	$500.00	$1000.00
Monthly Service Fee	$3.00**	$3.00**	$3.00**	$7.00	$12.00
Interest Bearing
Free F&M Checks
Free Online Banking
Free Online Bill Pay
Free ATM/Visa Debit Card (where qualified)
Free F&M ATM Transactions
Limited Free Foreign ATM Transactions
Unlimited Check Writing
	Hometown Advantage Details	F&M Hometown Details	F&M Student Details	F&M Club 50 Details	Now Details

Hometown Advantage

It's the checking account that earns interest like a CD!

No minimum balance, plus FREE ATMs Nationwide!*

Other Account features:

No minimum balance
Unlimited check writing
Check images returned
Free F&M Internet banking
Free bill pay
Free ATM or debit card (where qualified)
$100.00 opening deposit required

*Free ATM fee refunds up to $15 per month. Refunds are automatic and receipts are not required to receive refunds.

**$3 Monthly service charge if not enrolled for e-statements

F&M Hometown Checking

No minimum balance
Unlimited check writing
Check images returned
Free F&M Internet banking
Free bill pay
Free ATM or debit card (where qualified)
$100.00 opening deposit required
Monthly Service Fee is waived if enrolled for E-statement , age 65 and over or active military

F&M Student Checking

(WITH VALID ID)

No minimum balance
Unlimited check writing
Free F&M Internet banking
Free bill pay
Free debit card (where qualified)
Direct deposit of benefits
$50.00 opening deposit required for student checking
Student accounts--up to age 22

**$3.00 monthly service charge waived for active military
**$3.00 monthly service charge waived for student accounts that are enrolled in e-statements

F&M 50 Club

Must be 50 years or older
Unlimited check writing
Check images returned
Free F&M Internet banking & Bill Pay
Free debit card (where qualified)
Interest on balance of $1000.00 or more
Free F&M Club checks
Five free photocopies per month
Notary service
Bonus points on CDs of $2,500.00 or more for term of 12 months or longer
$500.00 opening deposit required
$7.00 monthly service charge if balance falls below minimum balance of $500.00 any day during monthly statement cycle

**At this time we are still servicing the existing F&M Club accounts, but not opening any new F&M Club accounts, as of 6-6-16

NOW Account

Minimum of $1,000.00 to open this account
$12.00 monthly service charge if balance falls below minimum balance
Interest compounds monthly to the account
Free F&M Netteller Internet Banking & Bill Pay
Free debit card (where qualified)