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System maintenance is scheduled from midnight to 5:00 A.M. Central Time on Wednesday, January 24, 2018. During this timeframe, Personal and Business Online Banking as well as FMB Personal and FMB Business Mobile Banking may be unavailable.  We are sorry for any inconvenience this may cause. 

Online Banking

Personal Banking
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Empty Basic
Interest Bearing No Yes Yes No No
Monthly Fee FREE with eStatements FREE with eStatements $10 service charge waived when $5000 combined minimum average balance of all FMB accounts is maintained FREE with eStatements FREE with eStatements
Minimum to Open $100 $100 $100 $100 $100
Requirements* N/A

Requirement to earn premium interest1:

  • One direct deposit
  • 15 ATM/Debit transactions per month
  • One bill pay per month
  • eStatement required
N/A Age 55 and older Up to age 25 with a student ID
Key Benefits
  • Free Visa® Rewards Debit Card3
  • MoneyPass Network
  • Free Online Banking
  • Checkfree Bill Pay
  • Free Mobile Banking App
  • Free Mobile Deposit
  • Touchtone Banker
  • Status Alerts
  • Overdraft Defender (restrictions apply)
  • Free Notary Services


  • Basic Package Benefits (Shown in red)
  • Premium interest awarded for utilizing our electronic products and services
  • FMB Foreign ATM Fees reimbursed up to $10 on qualified accounts2
  • Basic Package Benefits (Shown in red)
  • No service charge when $5000 combined minimum average balance of all FMB accounts is maintained
  • Free FMB checks or 50% discount on selected checks
  • Two Certificate of Deposit bounus 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 and Money Orders
  • Basic Package Benefits (Shown in red)
  • One Free Box of FMB checks per calendar year
  • Free paper statements with $250 direct deposit monthly
  • Travel Club Membership
  • Basic Package Benefits (Shown in red)
  • FMB Foreign ATM fees reimbursed up to $10 per month
  • Building & Protecting Your Credit manual

1. Restrictions apply. All criteria must be posted by the last business day of the month. Balances up to $14,999.99 that meet the qualifying criteria earn 1.00% APY, balances $15,000 and over that qualify earn .10% APY. Non-qualifying accounts earn .05% APY on balances up to $2499.99, balances over $2500 earn .10%APY .  (Annual Percentage Yield is accurate as of 05/01/2017,  interest is compounded monthly and calculated on average daily balance.)

2. FMB Foreign ATM fees will be reimbursed up to $10 only if all of the monthly account qualifying criteria has been met.

3. Our Visa Debit card has no fees when used at our bank locations or at any Money Pass ATM location. Convenience has a new name: MoneyPass®. The MoneyPass® network offers coast to coast access to thousands of surcharge free ATMs located where you live, work and travel. Use the easy online locator at to help you find the MoneyPass® ATM closest to you - whether at home or anywhere across the country - and avoid paying surcharges.

If checking account is closed by the customer within the first 90 days from the opening date, a $15 Early Account Closing Fee will be charged.