F&M Bank Bronze Checking Reviews (Apr. 2021) | Checking Accounts

Highlights
Monthly Fee	$0 - $8
ATM Fee: Out-of-Network	$1.50
Minimum Balance to Avoid Monthly Fee	$500
APY (Annual Percentage Yield)	N/A

F&M Bank Bronze Checking Review

F&M Bank Bronze Checking is offered by F&M Bank, a bank founded in 1907 and based in Long Beach, CA. F&M Bank Bronze Checking is available in 1 state across the USA.

Key Takeaways

Charges a monthly fee. This account charges a monthly maintenance fee of up to $8, but the fee is waived if you keep a minimum balance of $500.
$100 minimum deposit. This is a typical minimum initial deposit, but there are accounts that require a smaller initial deposit or have no minimum.
Free bill pay. Pay your bills to practically anyone in the United States through F&M Bank.
Hard credit pull. F&M Bank may require a hard pull on your credit report to open a checking account.

F&M Bank Bronze Checking Pros & Cons

Pros	Cons
Access to physical branches. Free debit card Access to a nationwide network of ATMs.	No signup bonus. Does not earn interest. Only available in one state. Higher than average wire transfer fees. Monthly service charge. Charges a fee on out-of-network ATM transactions.

F&M Bank Bronze Checking FAQ

Are checking accounts from F&M Bank federally insured?

Yes, your F&M Bank checking accounts are insured up to $250,000 per person by the Federal Deposit Insurance Corporation (FDIC). The FDIC is an independent agency of the United States government that protects you against the loss of your insured deposits if an FDIC-insured bank or savings association fails. FDIC insurance is backed by the full faith and credit of the United States government.

What APY does F&M Bank Bronze Checking offer?

F&M Bank Bronze Checking is not an interest bearing account.

What are the account minimums for F&M Bank Bronze Checking?

F&M Bank Bronze Checking requires a minimum initial deposit of $100 to open an account.

F&M Bank Bronze Checking Account Minimums
Description	Amount
Minimum Opening Deposit	$100
Minimum Balance to Avoid Monthly Fee	$500

What fees does F&M Bank Bronze Checking charge?

This account charges a monthly maintenance fee of up to $8.

F&M Bank Bronze Checking Fees
Description
ATM Fee: In-Network	$0
Bank Teller Fee	$0
Early Account Closure	$20
Foreign Transaction Fee (Debit Card)	3%
Monthly Fee	$0 - $8
NSF Fee	$30
Online Bill Pay Fee	$0
Overdraft Item Fee	$30
Paper Statement Fee	$3
Returned Deposit Fee (Domestic)	$30
Stop Payment Fee	$30
Wire Transfer Fee - Domestic (Incoming)	$10
Wire Transfer Fee - Domestic (Outgoing)	$30
Wire Transfer Fee - International (Incoming)	$10
Wire Transfer Fee - International (Outgoing)	$60
ATM Fee: Out-of-Network	$1.50

What features and perks does F&M Bank Bronze Checking offer?

This account includes the following features:

Fraud monitoring - F&M Bank Bronze Checking monitors transactions for potentially fraudulent activity, such as when a debit card is unexpectedly used in a different location or you make a sudden string of costly purchases.
Free Bill Pay - Bill Pay allows you to pay bills easily from your account.
Mobile Banking Services - F&M Bank Bronze Checking allows you to manage your money online. This includes depositing checks in your account with your smartphone.
Nationwide ATM network - Conveniently transact at a nearby ATM.

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