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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 3.00% APY, balances $15,000 and over that qualify earn .10% APY. Non-qualifying accounts earn .05% APY on balances up to $2499.99, balances $2500 and over earn .10%APY .  (Annual Percentage Yield is accurate as of 05/01/2017,  interest is compounded monthly and calculated on average daily balance, rates may changed 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.

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 http://www.moneypass.com 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.