Personal Checking

Grow your money with confidence.

We have a variety of accounts to fit your lifestyle.
Find the checking account that’s perfect for you.

Green Checking

$25

Minimum Opening Deposit

$3 paper statement fee (may be avoided if signed up for eStatements)

$500

Yes. Includes Unlimited Usage. $10 fee for lost or damaged card
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Gold Checking

$75

Minimum Opening Deposit

$800

Yes. Includes Unlimited Usage. $10 fee for lost or damaged card
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Platinum Checking

$75

Minimum Opening Deposit

Yes, tiered interest structure based on balance, debit card usage, ACH, and e-Statement enrollment

$3 paper statement fee (may be avoided if signed up for eStatements)

$800

Yes. Includes Unlimited Usage. $10 fee for lost or damaged card
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Silver Checking

$1,000

Minimum Opening Deposit

$10 monthly maintenance fee if daily balance falls below $1,000

$500

Yes. Includes Unlimited Usage. $10 fee for lost or damaged card
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*Additional Disclosure Information

  • Interest Bearing Accounts: Please check our current rates in determining account interest. Rates may change without notice. Fees could reduce earnings.
  • Overdraft Service: Overdraft service offered to accounts in good standing 60 days after account opening. The Overdraft Fee is $31 per item. Check our Automated Overdraft Disclosure for full details. Payment of overdrafts is discretionary and F&M/BOF reserves the right to withhold payment.
  • Mobile Banking: 3rd party message/ data rates may apply. Web access is required to use mobile banking. Check with your mobile phone provider for details on specific fees and charges. The network must allow SSL traffic.
  • eStatements: Must be enrolled in online banking to receive an eStatement. Checking account holders not signed up to receive eStatements will receive monthly paper statements. Green checking account may avoid paper statement fee is maintain minimum daily balance of $5,000.

It feels like everyone there has our best interest at heart.

Gavin and Shelly Bell
The Flooring Emporium

Banking that grows with you.

Overdraft Privilege

Many of our checking products offer overdraft coverage, based upon qualification. Qualifying accounts receive a $31 fee for every overdrawn check – in addition to the overdraft amount. Each overdraft and any overdraft fee must be paid within 45 days.

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IDProtect

With this service, there’s safety in numbers. Get up to $5,000 in identity theft protection, help kits to restore your identity, coverage for lost wages as a result, access to consumer fraud specialists and valuable online resources, all for only $1.25 per month. To sign up, talk to your local branch banker.

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AD&D Insurance Coverage

Primary account holders with a personal checking account can sign up to receive up to $2,000 in complimentary Accidental Death & Dismemberment insurance coverage. Additional insurance coverage options are available for a monthly premium if selected. Sign up today to take advantage of this offer.

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Convenient Services

Our commitment to providing exceptional service extends to our convenient banking options, ensuring you have the tools and resources to manage your money effectively and efficiently.

  • Mobile Banking
  • Debit Cards
  • Direct Deposit
  • eStatements

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