Personal Checking

Order Checks Here

Prestige CheckingStudent CheckingBe Green e-CheckingInterest CheckingHealth Savings Account


Description

Prestige Checking


Our standard checking account.

Student Checking


A checking account for students; has no monthly cost of service. Requires proof of enrollment and e-Statements.

Be Green e-Checking


Offers multiple ways to waive your monthly cost of service. e-Statements only.

Interest Checking


An everyday checking account that earns interest.

Health Savings Account


An account used to set money aside for medical expenses. Annual contribution limits. Must have qualifying high deductible health plan.


Minimum Opening Balance

Prestige Checking


$100.00

Student Checking


$100.00

Be Green e-Checking


$100.00

Interest Checking


$500.00

Health Savings Account


$100.00


Online and Mobile Banking1

Prestige Checking


Yes

Student Checking


Yes

Be Green e-Checking


Yes

Interest Checking


Yes

Health Savings Account


Yes


Farmers & Merchants VISA Debit/ATM Card

Prestige Checking


Yes

Student Checking


Yes, IF Student is 18 OR has Adult on Account

Be Green e-Checking


Yes

Interest Checking


Yes

Health Savings Account


Debit Card Only


FREE Bill Payment Service2

Prestige Checking


Yes

Student Checking


Yes

Be Green e-Checking


Yes

Interest Checking


Yes

Health Savings Account


N/A


e-Statements3

Prestige Checking


Yes

Student Checking


Yes

Be Green e-Checking


Yes

Interest Checking


Yes

Health Savings Account


Yes


Paper Statements3

Prestige Checking


Yes

Student Checking


N/A

Be Green e-Checking


N/A

Interest Checking


Yes

Health Savings Account


Yes


Unlimited Transactions

Prestige Checking


Yes

Student Checking


Yes

Be Green e-Checking


Yes

Interest Checking


Yes

Health Savings Account


N/A


Earns Interest

Prestige Checking


N/A

Student Checking


N/A

Be Green e-Checking


N/A

Interest Checking


Yes

Health Savings Account


Yes


Cents-Able Savings (with F&M Savings Account)

Prestige Checking


Yes

Student Checking


Yes

Be Green e-Checking


Yes

Interest Checking


Yes

Health Savings Account


N/A


Interested?

Prestige Checking


Learn More

Student Checking


Learn More

Be Green e-Checking


Learn More

Interest Checking


Learn More

Health Savings Account


Learn More
  1. Must be at least 13 years of age to be eligible for Online Banking and Mobile Banking
  2. Bill Payment service available for customers age 18+ with eligible accounts
  3. Cost of Service for e-Statements and Paper Statements vary by account and by balance. Please contact Bank Representative for details.

Prestige Checking

Ideal for people who just want the basics. This is a traditional checking account with unlimited check writing

Great Benefits of our Checking Accounts:
  • ATM/Debit Card
  • Automatic Transfers
  • Mobile Banking
  • Text Banking
  • Debit Card Activity Alerts
  • Online Banking & Bill Pay
  • Telephone Banking through the Freedom Line
  • Cents-able Savings

Student Checking

A great account for children or students of all ages! Includes unlimited check writing and a low opening balance.We offer college students an account with no monthly fees regardless of account activity.

Great Benefits of our Checking Accounts:
  • ATM/Debit Card
  • Automatic Transfers
  • Mobile Banking
  • Text Banking
  • Debit Card Activity Alerts
  • Online Banking & Bill Pay
  • Telephone Banking through the Freedom Line
  • Cents-able Savings

Be Green Checking

Full-service account for active online banking users with easy ways to reduce or eliminate monthly service charges. Manage costof service by balance, with direct deposit, or with debit card activity.

Great Benefits of our Checking Accounts:
  • ATM/Debit Card
  • Automatic Transfers
  • Mobile Banking
  • Text Banking
  • Debit Card Activity Alerts
  • Online Banking & Bill Pay
  • Telephone Banking through the Freedom Line
  • Cents-able Savings

Interest Checking

Earn interest that’s compounded monthly with this popular account that offers unlimited check writing.

Great Benefits of our Checking Accounts:
  • ATM/Debit Card
  • Automatic Transfers
  • Mobile Banking
  • Text Banking
  • Debit Card Activity Alerts
  • Online Banking & Bill Pay
  • Telephone Banking through the Freedom Line
  • Cents-able Savings

Health Savings Account

Account used with qualified high deductible health plans

Great Benefits of our Checking Accounts:
  • Debit Card
  • Mobile Banking
  • Debit Card Activity Alerts
  • Online Banking
  • Text Banking
  • Telephone Banking through the Freedom Line