Our Advantage Checking account is designed to give you more than just everyday banking—it delivers added value, protection, and savings all in one convenient account. You’ll enjoy all the trusted features of F&M Bank, plus a robust suite of enhanced benefits to help safeguard your identity, support your financial wellness, and simplify your life. From identity theft protection with credit monitoring and cyber support, to valuable perks like cellular phone coverage, roadside assistance, and telehealth access, Advantage Checking works for you beyond the basics.
Key Features
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Added Benefits
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Tap & Pay Debit Card
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Digital Banking
More Details About Advantage Checking
- Upgraded checking with added benefits
- Unlimited transactions
- Free digital banking services
- Free EMV contactless debit card
- Free Paper Statements
- Telehealth Services
- $50 minimum deposit to open
- $8.00 monthly fee per account
A wide variety of benefits and perks
IDProtect®
- Identity theft monitoring and resolution service1 for you
- Includes Identity Theft Expense Reimbursement Coverage2, Resolution Service, and more
Cell Phone Protection2
- Covers up to four phones listed on the cellphone bill
- Covers damage or theft
- Up to two claims per twelve-month period
- Up to $400 per claim
- $50 deductible per claim
- Cell phone bill must be paid through eligible account
Accidental Death &Dismemberment Insurance2
- Up to $20,000 AD&D coverage
- Coverage increases to $100,000 while traveling on a Common Carrier, as defined in the insurance certificate
- Up to $1,500 Each Dependent Child Accidental Death & Dismemberment coverage
- Accidental Death and Dismemberment Insurance coverage divides equally on joint account and reduces by 50% at age 70
Roadside Assistance Service2
- 24-hour coverage for roadside assistance services, including vehicle towing, fuel/oil/fluid/water delivery, and battery/lock-out/tire assistance up to $100 per occurrence
- Maximum of two occurrences per twelve month period
Travel and Leisure Discounts
- Redeem and print coupons online
- Access discounts from a mobile device
- Local and national discounts on hotels, restaurants, rental cars, auto care, museums, sporting events, salon services and more
- Available via mobile or web only
Health Discount Savings
- •Vision – exams, glasses, contact lenses, etc.
- Prescriptions
- Dental
- This is NOT insurance
- Registration/activation required
Telehealth3
- Access to 24/7 video or phone visits with U.S.-based board-certified, licensed and credentialed doctors
- Doctors ready to help with physical and mental health care
- Zero copays, no surprise bills, plus discounts on prescriptions and lab work
- Registration/activation required
Apply Now for an Advantage Checking Account!
To learn more about our Advantage Checking account, visit your nearest branch location in Edmond, Yukon, Guthrie, Kingfisher, Piedmont, Crescent, Okarche, or Fairview, OK. You can also apply online quickly and conveniently from the comfort of your home!
1Benefits are available to personal checking account owner(s), and their joint account owners subject to the terms and conditions for the applicable Benefits. Some Benefits require authentication, registration and/or activation. Benefits are not available to a “signer” on the account who is not an account owner or to businesses, clubs, trusts organizations and/or churches and their members, or schools and their employees/students.
2Special Program Notes: The descriptions herein are summaries only and do not include all terms, conditions and exclusions of the benefits described. Please refer to the actual Guide to Benefit and/or insurance documents for complete details of coverage and exclusions. Coverage is provided through the company named in the Guide to Benefit or on the insurance
document. Insurance products are not insured by the FDIC or any federal government agency, not a deposit of or guaranteed by the bank or any bank affiliate.
3Available for the primary and one joint account holder. This is not insurance.