Personal Checking Services

FMBenefits (BASIC or FAMILY)*

• Minimum Opening Balance $200
• Personalized FMBank Checks
• + Interest on Checking 
• No Issue Charge on Cashier's Check and Money Orders (limit 3 per month)
• 10% discounts of yearly Safe Deposit Box rentals
• Free Secured Balance Transfers
• Accidental Death & Dismemberment Insurance
• $5,000 Identity Fraud Expense Reimbursement Coverage
• Entertainment & Travel Discount Program (registration/activation required)
• Gas and Gift Card Discounts (registration/activation required)
• Cash Back Member Awards (registration/activation required)
• Credit File Monitoring with Credit Report and Credit Score (registration/activation required)
• Monthly fee: $9.25 (Basic Account) or $10.75 (Family Account)
• Reduce or eliminate monthly account fee: Receive a $0.10 credit for each point of sale transaction with your FMBank debit card; Sign up for E-Statements and receive one $2.00 credit toward your monthly account fee; Sign up for Direct Deposit and receive one $2.00 (Direct Deposit) credit toward your monthly account fee.
• $2.00 monthly service fee for Paper Statements
• $6.00 per each return item will be assessed on all return items

FMBenefits Students*

• Minimum opening balance $50
• Personalized FMBank Checks
• + Interest on Checking
• No Issue Charge on Cashier's Checks and Money Orders (limit 3 per month)
• 10% discounts on yearly Safe Deposit Box rentals
• Free Scheduled Balance Transfers
• Accidental Death & Dismemberment Insurance
• $5,000 Identity Fraud Expense Reimbursement Coverage
• Travel and Entertainment Discount Program (registration/activation required)
• Gas and Gift Card Discounts (registration/activation required)
• Cash Back Member Rewards (registration/activation required)
• Credit File Monitoring with Credit Report and Credit Score (registration/activation required)
• Monthly fee: $9.25
• Reduce or eliminate monthly account fee: Receive a $0.10 credit for each point of sale transaction with your FMBank debit card; Sign up for E-Statements and receive one $2.00 credit toward your monthly account fee; Sign up for Direct Deposit and receive one $2.00 (Direct Deposit) credit toward your monthly account fee; Sign up as a student and receive one $4.00 credit toward your monthly account fee.
• $2.00 monthly service fee for Paper Statements.
• $6.00 per each return item will be assessed on all return items

e-STUDENT (Electronic Only Account)

• Minimum opening balance $50
• E-Statements required.
• Unlimited electronic debit transactions
• Paper Checks are not available for this type of account.
• Monthly fee: $0 unless account becomes inactive after 6 months. 
• After 6 months of inactivity, Online Banking access will automatically detach, and the account will be accessed a $2.00 fee per month for a paper statement. 
• $6.00 per each return item will be assessed on all return items.

Personal (Regular)

• Minimum opening balance $200
• No monthly service fee if minimum balance requirement is maintained
• No per check charge for first 50 items per month
• $9.50/month service fee if balance drops below $950
• $0.50 charge per item after 50 items per month
• $2.00 monthly service fee for Paper Statements
• $6.00 per each return item will be assessed on all return items

The FMBenefits Account (SENIOR CITIZEN 65 and OVER)*

• Minimum opening balance $200
• Personalized FMBank Checks
• + Interest on Checking
• No Issue Charge on Cashier's Checks and Money Orders (limit 3 per month)
• 10% discounts on yearly Safe Deposit Box rentals
• Free Scheduled Balance Transfers
• Accidental Death & Dismemberment Insurance
• $5,000 Identity Fraud Expense Reimbursement Coverage
• Travel and Entertainment Discount Program (registration/activation required)
• Gas and Gift Card Discounts (registration/activation required)
• Cash Back Member Rewards (registration/activation required)
• Credit File Monitoring with Credit Report and Credit Score (registration/activation required)
• Monthly fee: $9.25
• Reduce or eliminate monthly account fee: Receive a $0.10 credit for each point of sale transaction with your FMBank debit card; Sign up for eStatements and receive one $2.00 credit toward your monthly account fee; Sign up for Direct Deposit and receive one $2.00 (Direct Deposit) credit toward your monthly account fee; Sign up as a Senior Citizen and receive one $2.00 credit toward your monthly account fee.
• $2.00 monthly service fee for Paper Statements
• $6.00 per each return item will be assessed on all return items

Money Market

• Minimum opening balance $2500
• + Earns current FMB Money Market rate on tiered balance compounded and paid monthly when a daily collected balance of $2,500 is maintained. No interest earned for the days the collected balance falls below $2500.
• No charge for up to six withdrawals per month; 3 checks, 3 in-house withdrawals.
• No monthly service fee if minimum balance is maintained.
• $15 monthly charge if balance falls below $1500, $10.00 per debit charge after six withdrawals/month. Withdrawals from FMB money market accounts to another account or to third parties by pre-authorized automatic or telephone transfer are limited to six per statement cycle. There may be no more than 3 withdrawals or transfers by check, draft, Visa Debit card, or similar order to third parties.
• $2.00 monthly service fee for Paper Statements
• $6.00 per each return item will be assessed on all return items

NOW

• Minimum opening balance $1500
• Unlimited check writing
• + Earns current FMB Now account Rate on tiered balance compounded and paid monthly when a daily collected balance of $1500 is maintained.
• No monthly service fee if minimum balance stated below is maintained
• $12.00 monthly fee if balance falls below $1200, no interest paid if balance falls below $1500
• $0.50 charge per item after 50 items per month
• $2.00 monthly service fee for Paper Statements
• $6.00 per each return item will be assessed on all return items

*All benefit options are provided through Econocheck, a third-party vendor that is not affiliated with FMBank.  Registration to enroll for benefits may be required through their website.

+FMBenefits, FMB Money Market and FMB Now account interest rates vary.  Please call or come by the FMB location nearest to you to get the latest rates and information.