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  F&M Bank Gold Checking
F&M Bank Gold Checking Unaffiliated

F&M Bank Gold Checking

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Highlights
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, founded in 1907 and based in Long Beach, CA. F&M Bank Gold Checking is 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.
F&M Bank Gold Checking Pros & Cons
Pros Cons
  • Interest-yielding account.
  • No signup bonus.
  • Does not offer mobile check deposits.
  • Does not provide access to a nationwide ATM network.
  • Does not come with a debit card
  • Not FDIC-insured.
  • 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 Gold Checking FAQ

Are checking accounts from F&M Bank federally insured?

No, your F&M Bank checking accounts are not insured by a federal insurance agency. This means that if F&M Bank were to fall into financial difficulties, your deposits are not covered by a government backed insurance fund like the FDIC or NCUSIF.

What APY does F&M Bank Gold Checking offer?

F&M Bank Gold Checking Rates & Terms
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.

F&M Bank Gold Checking Minimums
Description
Minimum Combined Balance to Avoid Monthly Fee $50,000
Minimum Opening Deposit Starting at $100
Minimum Balance to Avoid Monthly Fee Starting at $5,000

What fees does F&M Bank Gold Checking charge?

This account charges a monthly service fee of up to $25.

F&M Bank Gold Checking Fees
Description
ATM Fee: In-Network $0
Bank Teller Fee $0
Check Copy $3
Early Account Closure $20
Foreign Transaction Fee (Debit Card) 3%
Monthly Fee $0 - $25
NSF Fee $30
Online Bill Pay Fee $0
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
ATM Fee: Out-of-Network Starting at $1.50

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:

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

Experience the personalized service offered by one of the strongest banks in California. Whether you are looking for a basic or interest-bearing checking account, let one of our F&M personal bankers customize a solution that meets your needs and goals. Gold Checking Benefits: Nationwide ATM Fee Reversals, Interest on Checking, Provided By Our Vendor (1st Box F&M Logo Checks).

Availability

  Available in 1 state
California
Availabile in all of California

Feature Breakdown

Minimum Combined Balance to Avoid Monthly Fee $50,000
Minimum Opening Deposit Starting at $100
Minimum Balance to Avoid Monthly Fee Starting at $5,000
ATM Fee: In-Network $0
Bank Teller Fee $0
Online Bill Pay Fee $0
Check Copy $3
Early Account Closure $20
Foreign Transaction Fee (Debit Card) 3%
Monthly Fee $0 - $25
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
ATM Fee: Out-of-Network Starting at $1.50
Immigration Status Considered
  • U.S. Citizen
  • U.S. Permanent Resident
Verification Documents Required
  • Driver License (or other photo ID)
  • Proof of Identity
  • Government Issued Photo ID
  • Social Security Number
Account Features
  • Free Bill Pay
  • Mobile Check Deposit
  • Interest Bearing Account
  • ATM Reimbursement
  • Nationwide ATM Network
  • Mobile Banking
  • Fraud Monitoring
  • Fraud Protection
  • Debit Card
  • Branch Access
  • Member FDIC
  • Check Writing
APY (Annual Percentage Yield) 0.02%
(Verified 07/17/2022)

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