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Mail theft and check washing on the rise.

Mail theft and check washing are on the rise. Use extreme caution when sending checks in the mail. Consider other digital payment methods instead. 
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Checking

Interest rate and annual percentage yield (APY) current as of 09/18/2025.


F&M Classic Plus*

BalanceInterest RateAPY
$1,500+0.10%0.10%

$50 minimum deposit to open account. Must maintain a minimum balance of $1,500 in the account each day to obtain the APY.

Balance: The amount of principal in the account each day.

*The interest rate and annual percentage yield may change after account opening.

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