Your Choice Checking
We offer checking accounts for every need! All checking accounts come with a free Visa debit card and services to make banking more convenient for you including telephone banking, online banking, iPay bill pay, mobile banking, mobile deposits, and RoundUp Savings option. Plus all accounts are FDIC Insured.
Every new personal checking account requires a minimum of $100 to open. No monthly fees with eStatements*
Use our simple Account Comparison Chart to determine which account best suits your needs.
Basic Package
ALL account types enjoy ALL of these benefits!
- Free with eStatements
- Free Visa® Debit Card
- MoneyPass Network
- Free Online Banking
- iPay Bill Pay
- Free Mobile Banking App
- Free Mobile Deposit
- Telephone Banker
- Status Alerts
- Overdraft Privilege (restrictions apply)
- RoundUp Savings Option
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Rewards Package
- Basic Package Benefits
- Premium interest awarded for utilizing our electronic products and services
Requirements to earn premium interest1:- 1 direct deposit per month/statement cycle
- 15 ATM/Debit transactions per month/statement cycle
- 1 bill pay per month/statement cycle
- eStatement
- FMB Foreign ATM Fees reimbursed up to $10 on qualified accounts2
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Premium Package
- Basic Package Benefits
- No service charge when the primary owner maintains an aggregate ledger balance of $5,000 or more in linked FMB personal deposit accounts
- Free FMB checks or 50% discount on selected checks
- Two Certificate of Deposit bonus coupons .25% increase on any NEW CD
- 50% discount on Safe Deposit Box rental (with auto debit)
- Installment loan Bonus Coupon (One open loan) (Restrictions Apply)
- Free Cashier's Checks
- Paper Statements at no charge (if desired)
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Senior Package
Requirement: Age 55 and older
- Basic Package Benefits
- One Free Box of FMB checks per calendar year
- Free with eStatements or Free Paper Statements with a combined Monthly Direct Deposit of $250.00 or more
- Travel Club Membership
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Student Package
Requirement: Ages 12-24 (over 18 with a student ID)
- Requirement: Ages 12-24 - Over 18 with a student ID
- FMB Foreign ATM fees reimbursed up to $10 per month
- Building & Protecting Your Credit Guide
- Instant Issue FMB Visa® Debit Card (Ages 16 to 25)
- Teen Link Debit Card (Ages 12 to 15)
- Requires Parent Approval
- Reduced Purchase Limits
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Teen Link Debit Card
Requirement: Ages 12-15
(with Student Checking Account)
- Requirement: Ages 12-15. Must have a Student Checking Account
- Requires Parent Approval
- Reduced Purchase Limits
- Features essential parental controls, a lower daily spending limit, and no overdraft privileges, ensuring they learn to manage money safely. It's also perfect for trips to amusement parks and venues that no longer accept cash.
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Ready to Make the Switch?
Sign up for a Checking Account with our convenient online account opening option!
If you have opened any of the "Your Choice Checking Accounts" please take a moment and fill out the "How did we do?" survey.
We want your banking to be convenient, safe and secure! We offer free Visa® Debit Cards with the Money Pass Network and Card Management Options, Online Banking, iPay Bill Pay, PopMoney Transfers, Mobile Banking with free Mobile Deposit and so much more!
*Premium Package: $10 service charge waived when $5000 combined minimum average balance of all FMB accounts is maintained
1. Restrictions apply. All criteria must be hard posted by the last business day of the month/statement cycle. Balances up to $15,000.00 that meet the qualifying criteria earn 5.00% APY, balances $15,000.00 and over that qualify earn .10% APY. Non-qualifying accounts earn .05% APY on balances up to $2,500.00, balances $2,500.00 and over earn .10% APY. (Annual Percentage Yield is accurate as of 11/01/2022, interest is compounded monthly and calculated on average daily balance, rates may change without notice.)
2. FMB Foreign ATM fees will be reimbursed up to $10 only if all of the monthly account qualifying criteria has been met.
If checking account is closed by the customer within the first 90 days from the opening date, a $20 Early Account Closing Fee will be charged.