F&M Bank Gold Checking
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| Cashback Rewards | N/A |
| APY (Annual Percentage Yield) |
0.02% (Verified 07/17/2022) |
| Monthly Fee | $0 - $25 |
| Minimum Balance to Avoid Monthly Fee | Starting at $5,000 |
F&M Bank Gold Checking Review
F&M Bank Gold Checking is offered by F&M Bank savings account, a bank founded in 1907 and based in Long Beach, CA. F&M Bank Gold Checking are available in 1 state across the USA.
Key Takeaways
- Low APY. The maximum annual percentage yield for this account is only 0.02%.
- Charges a monthly fee. This account charges a monthly service fee of up to $25, but the fee is waived if you keep a minimum balance of $5,000.
- $100 minimum deposit. This is a typical minimum initial deposit, but there are accounts that require a smaller initial deposit or have no minimum.
- ATM fee rebates. This account will reimburse you for ATM fees (see terms and conditions for details).
- Bill pay. Pay your bills to practically anyone in the United States through F&M Bank.
F&M Bank Gold Checking Pros & Cons
| Pros | Cons |
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F&M Bank Gold Checking FAQ
Are checking accounts from F&M Bank federally insured?
Yes, your deposits 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 Gold Checking offer?
| Description | |
|---|---|
| APY (Annual Percentage Yield) | 0.02% |
F&M Bank Gold Checking offers an APY of 0.02% (APY stands for annual percentage yield, rates may change).
What are the account minimums for F&M Bank Gold Checking?
F&M Bank Gold Checking requires a minimum initial deposit of $100 to open an account.
| Description | |
|---|---|
| Minimum Opening Deposit | Starting at $100 |
| Minimum Balance to Avoid Monthly Fee | Starting at $5,000 |
| Minimum Combined Balance to Avoid Monthly Fee | $50,000 |
What fees does F&M Bank Gold Checking charge?
This account charges a monthly service fee of up to $25.
| Description | |
|---|---|
| Monthly Fee | $0 - $25 |
| ATM Fee: In-Network | $0 |
| ATM Fee: Out-of-Network | Starting at $1.50 |
| Bank Teller Fee | $0 |
| Foreign Transaction Fee (Debit Card) | 3% |
| NSF Fee | $30 |
| Overdraft Item Fee | $30 |
| 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 |
| Online Bill Pay Fee | $0 |
| Check Copy | $3 |
| Early Account Closure | $20 |
Does F&M Bank Gold Checking charge overdraft fees?
Yes, F&M Bank Gold Checking charges a $30 fee for every overdraft.What features and perks does F&M Bank Gold Checking offer?
This account includes the following features:
- ATM rebates - This account will reimburse you for any domestic ATM fees.
- Fraud monitoring - F&M Bank Gold Checking monitors transactions for potentially unauthorized activity, such as when a debit card is unexpectedly used in a different location or you make a sudden string of costly purchases.
- Online Bill Pay - Online Bill Pay allows you to pay bills easily from your account.
- Mobile Banking Services - F&M Bank Gold Checking allows you to manage your money online or with a mobile app. This includes depositing checks in your account with a mobile app on your smartphone.
- Nationwide ATM network - Conveniently transact at a nearby ATM.
What is the customer support email for F&M Bank Gold Checking?
The customer support email for F&M Bank Gold Checking is rcs@fmb.com.
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Message From F&M Bank Gold Checking
Contact
- Headquarters
-
302 Pine Ave
Long Beach, CA 90802 USA - Visit Site
- Email Support
Other Services by F&M Bank
View all checking accounts offered by F&M Bank
Availability
Available in 1 state
California
Availabile in all of California
Feature Breakdown
| Minimum Opening Deposit | Starting at $100 |
| Minimum Balance to Avoid Monthly Fee | Starting at $5,000 |
| Minimum Combined Balance to Avoid Monthly Fee | $50,000 |
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