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Are you looking for Stability, Reliability and Service from your bank? Those three words define our family-owned bank, with three generations of history serving communities in the Greater Oklahoma City area. We strive to serve your financial needs with our high interest checking account, BonuSelect Checking. Earn high interest—up to 4.07% APY+—plus up to $20 a month in refunds on ATM withdrawal fees, nationwide.*

Key Features

  • High Interest Rewards
  • ATM Refunds
  • Digital Banking

A High Interest Checking Account in Oklahoma

  • A checking account with interest
  • Higher-than-average tiered interest rates: 4.07% APY+ on balances less than $20,001; 4.07% to 0.11% APY on balances equal to or greater than $20,001 depending on the average daily balance, when monthly qualifications are met*
  • ATM fee refunds, nationwide (up to $20/month)*
  • Link your checking account to our free BonuSelect Saver to build savings automatically
  • No minimum balance to earn bonus
  • No monthly service fees
  • Free digital banking services
  • Free chip enabled EMV debit card
  • $50 minimum deposit to open

High Interest Checking Account Rewards & Bonuses

To receive your checking account perks, enrollments must be in place and all of the following transactions and activities must post and settle to your BonuSelect Checking account during each Monthly Qualification Cycle:

  • At least 15 debit card purchases
  • Be enrolled in and review eStatements

That’s it. Even if you don’t meet your qualifications during the cycle, you’ll still earn our base interest rate. Plus, you can get right back to earning your full bonus the very next month you qualify.

Apply Online for a High Interest Checking Account!

To learn more about our BonuSelect Checking, visit your nearest branch location in Edmond, Yukon, Guthrie, Kingfisher, Piedmont, or Crescent, OK. You can also apply online quickly and conveniently from the comfort of your home!

Frequently Asked Questions About High Interest Checking Account

What makes the BonuSelect Checking account at F&M Bank stand out from other checking accounts?

Our BonuSelect Checking account offers a high-interest rate up to 4.07% APY on your deposits, making it an excellent choice for customers who want to earn more from their money. This account also comes with a variety of features, such as free online and mobile banking and  Refunded ATM fees.*

I'm interested in switching banks. What is the process to move my existing account to F&M Bank?

Switching to F&M Bank is easy! We have a simple Switch Kit that provides step-by-step instructions on how to move your account from your current bank to F&M Bank. Our friendly staff is also available to help answer any questions you might have.

How can I compare different checking accounts offered by F&M Bank to find the best fit for me?

To help you find the right checking account, we have a comparison page that outlines the features and benefits of each account. This makes it easy for you to compare accounts and select the one that best suits your needs.

Does F&M Bank offer other financial products or services besides checking accounts?

Absolutely! We offer a wide range of financial products, including mortgage loans, personal loans, savings accounts, and business banking services. You can explore all of our products and services by visiting our homepage.

How can I ensure the safety of my personal information and prevent identity theft?

F&M Bank takes the security of our customers' information seriously. We offer several ID theft education resources to help you learn how to protect yourself from identity theft. Additionally, our digital banking services use advanced security measures to keep your information safe.

What if I need help or have questions about my account? Is there a way to contact customer support?

Of course! Our friendly staff is always ready to help you with any questions or concerns you may have. You can contact us by phone or visit one of our convenient branch locations. We also offer 24-hour telephone banking for your convenience.


Disclaimer: +Annual Percentage Yield. All APYs accurate as of 11/21/23. Rates may change after account is opened. * Balances equal to or greater than $20,001 earn 0.11% APY, resulting in a range of 4.07% to 0.11% APY depending on the average daily balance. When the qualifications are not met the APY on your account will be 0.01%. The advertised BonuSelect Checking APY is based on compounding interest. Domestic ATM fees incurred during qualification cycle will be reimbursed up to $20 and credited to account on last day of monthly statement cycle. Monthly qualification cycle means a period beginning one day prior to the first day of the current statement cycle through one day prior to the close of the current statement cycle. Fees may reduce earnings. Limit one account per SSN. ATM receipt must be presented for reimbursement of an individual ATM fee of $5 or higher. See BonuSelect truth in savings disclosures for more details of other benefits and qualifying requirements.