F&M Club

If you want a wide array of banking benefits for a nominal fee, consider joining the F&M Club.

Features:

• No per-check charges.
• Free personalized basic checks, or discounts on more specialized styles.
• Accidental death insurance.
• No issuance fee on traveler's checks and cashier's checks.
• Free credit card, ATM and check card protection.
• Key ring protection. Your lost keys can be automatically returned to you by mail for free. Includes free key ring.
• Ten free photocopies per month.
• No annual fee for Visa® or Mastercard®.
• Savers Club® Book.
• Notary Service at no charge.
• Medical Emergency Data Card.
• Sojourns® Magazine Subscription.

F&M Club Account customers have two options in choosing an automatic teller machine program:

• F&M's basic card, FAMTEL, may be used worldwide on the CIRRUS® ATM network.
• The Impact® Check Card (issued upon approval) works like a check at 10.5 million Visa merchants. It also may be used as an ATM card at any CIRRUS or Visa ATM location.
• There is no fee for the initial issuance of your F&M automatic teller card.

F&M Club Checking Fees
Many personal banking services plus accidental death insurance. Maintenance fee assessed monthly on the following minimum daily balances: