← Back to F&M— Personal Banking

Accounts that work the way you do.

Free checking, high-yield savings, debit and mobile pay — opened in minutes and backed by a banker who actually picks up the phone.

No minimum balance, no monthly fee, free debit card and unlimited transactions.

Competitive rates with no surprise fees. Automatic transfers from any F&M account.

Tiered interest with check-writing access for larger balances.

Locked-in rates from 3 to 60 months. FDIC insured up to applicable limits.

Instant card freeze, Apple Pay and Google Pay support, real-time alerts.

First accounts with parental tools and financial-literacy resources.

— Speak with a banker800.235.5331