Personal Checking Accounts

Our Checking Accounts Check all the Boxes

  • Free Notifi Account Alerts
  • Basic Bill Pay
  • Debit Card
  • $100.00 Minimum Deposit to Open

Account Comparison

Account TypePersonal Checking

F&M Advantage

Account

NOW Account
Minimum Balance $500.00 Average Daily Balance1 to Avoid Fees No Minimum Balance $1,000.00 Average Daily Balance1 to Avoid Fees
Transaction Limitations N/A N/A N/A
Maintenance and Debit Fees
  • A $4.003/month Maintenance Fee and $0.203 for each debit transaction2 will apply if the average daily balance1 falls below $500.00 for the monthly statement cycle.
  • Refer to Maintenance and Debit Fee Exceptions Below
  • None
  • E-Statements are Required
  • Copies of Deposit Slips & Check Images are available for $1.00 per page.
  • A $8.003/month Maintenance Fee and $0.203 for each debit transaction2 will apply if the average daily balance1 falls below $1,000.00 for the monthly statement cycle.
Interest Rate4 N/A N/A Interest RATES
Dormant Fee $3.003/month with no activity for 12 months if average daily balance falls below $200.00 $3.003/month with no activity for 12 months if average daily balance falls below $200.00 $3.003/month with no activity for 12 months if average daily balance falls below $200.00

Maintenance and Debit Fee Exceptions: Fees will not apply to: Ages 65 and older, children age 18 and younger, conservatorship or individuals 65 and older or individuals under age 18.

1The average daily balance is calculated by adding the principal in the account each day of the period and dividing the total by the number of days in the period.

2Debit Transaction means any withdrawal, check paid, automatic transfer or payment out of this account.

3This fee is subject to Iowa State Sales Tax.

4At our discretion, the interest rate and annual percentage yield may change weekly.  Interest will be compounded daily. Interest will be credited to your account monthly. Interest begins to accrue on the business day you deposit noncash items (ie: checks). We use the daily balance computation method to calculate the interest on your account. This method applies a daily periodic rate to the principle in the account each day. Interest rate and annual percentage rate may change. 

Find Us Call Us Email Us Friend Us

Next Section

Back to Top

Internet Explorer 11 is outdated. For improved security and optimized performance we highly recommend upgrading your browser. ChromeFirefoxEdge