Personal Checking

*Additional Disclosure Information

• Interest Bearing Accounts: Please check our current rates in determining account interest. Rates may change without notice. Fees could reduce earnings.
• 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.
• 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.
• 360 Checking Monthly Fee Credit Criteria: A monthly service fee of $8.00 is applied to 360 checking accounts.  The fee can be waived or lessened if meet the following criteria: $5 credit for eStatement enrollment, $2 credit for 15 settled debit card transactions per statement cycle, $1 credit for ACH credit or debit per statement cycle. Full waiver of fee if maintain a daily balance of $20,000+.
• Freedom Checking Account Eligibility: Primary account owner must be an active or retired military service member and provide proof of military service through military identification card or other documentation to qualify to open account.