• Main Office: (706) 846-8415
  • Loan Production Office: (706) 660-6877
Banking on Experience

Personal Checking

Green (Free) Checking

  • $50 minimum to open account
  • No monthly service charge
  • Unlimited check writing
  • First order of checks are free
  • Debit Card (subject to approval)
  • F&M Bank will waive 6 ATM fees per statement cycle regardless of the location. (Out of Country fees are not included)
  • FREE ANYTIME Online Banking
  • FREE Online Bill Pay available
  • FREE Phone Banking 24/7
  • Check images provided in Online Statements

 

F&M Silver

  • $100 minimum to open account
  • No monthly service charge with a minimum daily balance of $100
  • $7.00 per month balance fee if daily balance goes below $100 on any day
  • Earns interest if the daily balance is over $500
  • First order of checks are free
  • Unlimited Check Writing
  • Free money orders
  • Debit Card (subject to approval)
  • F&M Bank will waive 6 ATM fees per statement cycle regardless of the location. (Out of Country fees are not included)
  • FREE ANYTIME Online Banking
  • FREE Online Bill Pay available
  • FREE InTouch Phone Banking 24/7
  • Check images provided in statement
  • $100,000 Common Carrier Accidental Death &Dismemberment Insurance*
  • Key Ring Registration
  • Payment Card Protection
  • Sojourns magazine
  • Savers Club Program (book and online site)
  • Auto Trip Routing Service
  • Bonus Travel

 

F&M Gold

  • $50 minimum to open account
  • No minimum balance required
  • $4 monthly maintenance fee
  • Earns interest if the daily balance is over $500
  • Unlimited check writing
  • Free standard check orders
  • Free money orders
  • Debit Card (subject to approval)
  • F&M Bank will waive 6 ATM fees per statement cycle regardless of the location. (Out of Country fees are not included)
  • FREE ANYTIME Online Banking
  • FREE Online Bill Pay available
  • FREE InTouch Phone Banking 24/7
  • Check images provided in statement
  • $100,000 Common Carrier Accidental Death &Dismemberment Insurance*
  • $10,000 Accidental Death Insurance (Non-reducing)*
  • Key Ring Registration
  • Payment Card Protection
  • Medical Emergency ID Card
  • My ID Matters
  • Sojourns Magazine
  • Savers Club Program (book and online site)
  • Auto Trip Routing Service
  • Bonus Travel
  • Rx Advantage
  • Discount on Safe Deposit Box

 

Club Checking

  • $50 minimum to open account
  • $6.50- Monthly Maintenance Fee for Basic Plan
  • Unlimited Check Writing
  • Free standard check orders
  • Free money orders
  • Debit Card (subject to approval)
  • F&M Bank will waive 6 ATM fees per statement cycle regardless of the location. (Out of Country fees are not included)
  • FREE ANYTIME Online Banking
  • FREE Online Bill Pay available
  • FREE InTouch Phone Banking 24/7
  • Check images provided in statement
  • Key Ring Registration
  • Payment Card Protection
  • Safe Deposit Box Log
  • Home Inventory Log
  • Sojourns Magazine
  • Savers Club Program (book and online site)
  • Basic Plan includes the following insurance benefits-  $10,000 Accidental Death & Dismemberment Insurance* and $20,000 Scheduled Airline Accidental Death & Dismemberment Insurance*

 

*The Product is NOT A DEPOSIT ACCOUNT OR OTHER OBLIGATION of any depository institution or any affiliate of any depository institution. The Product is NOT GUARANTEED OR INSURED by any depository institution or any affiliate of any depository institution. The Product is NOT INSURED by the Federal Deposit Insurance Corporation (FDIC). The Product, except in the case of Federal Flood Insurance or Federal Crop Insurance, is NOT INSURED by any federal governmental agency.