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Clean Start Checking

If you've had checking account issues in the past, we can offer you a clean start here. This personal checking account comes with no minimum balance requirement and a low monthly fee. Start clean—it's easy with F&M.

  • $50 deposit to open
  • No minimum balance
  • Unlimited check writing
  • Low $9.95 monthly fee
    • $7.95 monthly fee with direct deposit
  • Free debit card
  • Free online banking/Mobile banking
  • Free online statements
  • Online image access
  • FDIC insured

All nonsufficient funds (NSF) items will be returned. Each NSF item is subject to a NSF Charge and a Negative Checking Balance daily fee beginning on the 4th day that the account is overdrawn.