Secure Checking

Make your account more than a basic checking account with F&M Secure Checking! Utilize all the features you’re already familiar with and gain access to even more! At F&M Bank, your account is more than just where you keep your money. It’s part of your identity! Check out the features below and start banking today!

• $6.50 Monthly Service Charge
  • Reduce your monthly fee by $2.00 by enrolling in e-Statement!
• Online Banking, Mobile Banking and Bill Pay
• Telephone Banking
• Text Banking
• Mobile Deposit
• IDProtect
  • Identity theft monitoring and resolution service for you and your joint account owners¹
  • Includes Credit File Monitoring, Credit Report, Identity Theft Expense Reimbursement Coverage ³ and Resolution Services
• Cellular Telephone Protection³
• Cellular phone bill must be paid using eligible account
• Covers first three phones listed on the cellular phone bill
• Covers damage or theft
• Up to 2 claims per year
• Up to $300 per claim
• $50 deductible per claim
• Accidental Death & Dismemberment Insurance³
  • Up to $10,000
  • 24-hour coverage
  • Coverage divides equally among joint account owners
  • Coverage reduces by 50% at age 70
• Debit Advantage®
  • Buyers Protection³ covers items for 90 days from the date of purchase against accidental breakage, fire, or theft
  • Extended Warranty³ extends the U.S. manufacturer’s original written warranty up to one full year on most new retail purchases if the warranty is less than 5 years
  • Item(s) must be purchased entirely with eligible account
• Travel and Leisure Discounts (Registration/Enrollment Requirement)
  • Redeem and print coupons online
  • Access discounts from your mobile device
  • Local and national discounts such as hotels, restaurants, rental cars, museums, florists, sporting events, dry cleaners, and more
• $hopping Rewards™ (Registration/Activation required, Available Online Only)
  • Access to exclusive offers and discounts at thousands of leading online retailers
  • Shop online using our customized shopping portal and receive cash back
  • Cash back will be held in your $hopping Rewards account to use towards future purchases or conveniently sent to you as a check
• Health Discount Savings (This is NOT Insurance, Registration/Activation Required)
  • Prescriptions
  • Vision – Exams, Glasses, Contact Lenses, Corrective Surgeries
  • Dental

_{*Earn interest if minimum daily balance is greater than $2,000.00, call us today for rates.**Wireless carrier fees may apply ¹Benefits are available to personal checking account owner(s), and their joint account owners subject to the terms and conditions set forth in the Guide to Benefit and/or insurance documents for the applicable Benefits. Benefits are not available to a “signer” on the account who is not an account owner or to businesses, clubs, trusts organizations and/or churches their members, or schools and their employees/students. ²Credit file monitoring may take several days to begin following activation. ³Special Program Notes: The descriptions herein are summaries only and do not include all terms, conditions and exclusions of the Benefits described. Please refer to the actual Guide to Benefit and/or insurance documents for complete details of coverage and exclusions. Coverage is provided through the company named in the Guide to Benefit or on the insurance document.}

Insurance Products are not insured by the FDIC or any Federal Government Agency; not a deposit of or guaranteed by the bank or any bank affiliate.