You love when you succeed.
So do we.
Start your new journey with a new checking account from F&M!
Graduating in 2025? Start your next chapter with a $100 bonus! Open a new F&M Bank checking account and receive $100 as our way of celebrating your achievement. It’s our investment in your future—because your goals deserve a strong financial foundation. No matter where life takes you, trust our unique checking options to help get you there.Choose from one of two great accounts.
Choose from one of two great accounts.
If you are a 2025 Graduate using Promo Code GRAD25 and opening a new Everyday Checking or Dream Builder Checking, you are eligible for a $100 account opening bonus. We will credit your new account within 30 days after your account has been opened. No minimum balance is required to obtain this bonus. There may be a minimum deposit required to open the two Checking Accounts included in this promotion. Account specific requirements may apply which do not affect the eligibility to receive this Account Opening Bonus. The Account Opening Bonus will be treated as interest for IRS (Form 1099-INT) reporting purposes. This Account Opening Bonus is not available to existing customers or those with an F&M checking account closed within the last six months. There is a limit of one Account Opening Bonus per customer per calendar year. The Account Opening Bonus offer expires on August 31, 2025.
Dream Builder Checking: Minimum $25 deposit required to open. Tier 1 – If your daily balance is $500 or less, the interest rate paid on the entire balance in your account will be 5.00% with an Annual Percentage Yield (APY) of 5.12%. Tier 2 – If your daily balance is greater than $500, the interest rate paid on the balance greater than $500 in your account will be 0.01% with an Annual Percentage Yield (APY) of 0.01%. Assuming a maximum account balance of $1,000 the Annual Percentage Yield (APY) will range from 2.56%-5.12%, depending on the account balance. APYs are accurate as of 03/24/2025. Interest rates may be subject to change after account opening. Nationwide ATM fees will be refunded up to $10 each monthly statement cycle. Customer will receive one free box of checks. if requested at account opening. A $25 initial deposit bonus will be paid within 30 days of account opening. At the end of the calendar year that accountholder reaches Age 21, this account converts to an Everyday Checking or comparable checking account offered at that time. The $25 Dream Builder Account Initial Deposit Bonus, and the $10 Birthday Reward paid on the Dream Builder Account will be treated as interest for IRS (Form 1099-INT) reporting purposes. Account specific features may vary and are dependent on the account age tier chosen. Please stop at a nearby Branch Location or visit our website fm.bank for additional information on the features of the Dream Builder Checking Accounts for each Age Level. Fees may reduce earnings.
