Better than free. This interest-bearing checking account rewards those who actively use checking; a smart choice for those who expect their money to work a little harder.
Rewards
Take advantage of the following time-saving, convenient features and earn a premium 1.51% APY
1 and get automatic refunds of ATM fees, nationwide.
2
- Have at least one direct deposit or automatic debit post and clear per qualification cycle.
- Access NetBanc24 or PhoneBanc24 once during the qualification cycle.
- Have at least 12 Visa® CheckCard signature-based purchases post and clear during the qualification cycle.
- Receive e-statements.
Additional Benefits
Notes:
1Annual percentage yield. 1.51% APY is earned and paid monthly on collected balances up to $25,000 and 0.35% APY is earned and paid monthly on any portion of the collected balance over $25,000 if monthly eligibility requirements are met. 0.05% APY is earned and paid monthly on collected balances if monthly usage requirements are not met.
2 ATM refunds of up to $25.00 per qualification cycle when monthly eligibility requirements are met.
3 An order of free checks consists of 200 wallet-style Rewards Checking program checks.
4 Discount applies to the Annual Percentage Rate (APR) at the time of application. Payment must be automatically debited from an F&M Bank checking account. Loan discounts do not apply to all types of loans and is applicable for new loans only. Some restrictions apply. All offers subject to credit approval.
See Account Rules and Regulations.