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Your Choice Checking

Every new personal checking account requires a minimum of $100 to open. No monthly fees with eStatements*

basic checking

Basic Package

ALL account types enjoy ALL of these benefits!

  • 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)
  • Free Notary Services
  • RoundUp Savings Option
rewards checking

Rewards Package 

  • Basic Package Benefits
  • Premium interest awarded for utilizing our electronic products and services 
    Requirements to earn premium interest1
    • 1 direct deposit
    • 15 ATM/Debit transactions per month
    • 1 bill pay per month
    • eStatement
  • FMB Foreign ATM Fees reimbursed up to $10 on qualified accounts2
premium checking

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 and Money Orders
  • Paper Statements at no charge (if desired)
senior checking

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
student checking

Student Package

Requirement: Up to age 25 with a student ID

  • Basic Package Benefits
  • FMB Foreign ATM fees reimbursed up to $10 per month
  • Building & Protecting Your Credit manual

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!

Sign up for a checking acount

*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 posted by the last business day of the month. Balances up to $14,999.99 that meet the qualifying criteria earn 4.07% 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 12/07/2018,  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 $15 Early Account Closing Fee will be charged.