Secure Checking

Secure Checking

Secure Checking offers all of the features of our other personal checking accounts with the added benefit of IDProtect®. You can rest easy knowing that IDProtect®, our identity theft monitoring and resolution service, can help you better protect you and your families identities1.

  • Low $4.95 Monthly Service Charge

    The peace of mind you get from top-tier account security is priceless.

  • Free Online & Mobile Banking

    Manage and control your finances in just a few clicks or on the go. Securely access your account and manage expenses 24/7.

  • Unlimited Check Writing

    Write as many checks as you need without about “per check” fees.

Open your new Secure Checking account today!

Please choose from one of the following options.
If you are an existing customer, please click “Open a New Account” when logged into online or mobile banking.

New Customers Existing Customers

IDProtect® Identity Theft Monitoring and Resolution Service

As part of this account, you receive IDProtect® Identity Theft Monitoring and Resolution Service1
(Registration/Activation Required)

If you are a current Secure Checking accountholder, you can register for our IDProtect® service at any time.

  • IDProtect® Features

  • Identity Theft Expense Reimbursement Coverage1 – to cover expenses associated with restoring your identity, such as reimbursement for costs associated with attorney fees, loan application fees, long distance calls, certified mail and notarized fraud documents, medical record costs, costs for daycare and elder care, travel and accommodations, as well as coverage for wages lost for time taken off work to correct personal records.

    Comprehensive Identity Theft Resolution Services – A dedicated fraud specialist assigned to manage your case. Experienced recovery professionals will handle the recovery process until your identity is restored.

    Debit and Credit Card Registration – Register your credit, debit and ATM cards and have peace of mind knowing you can call one toll-free number to cancel and request replacement cards should your cards become lost or stolen. (Registration/activation required.)

    3-in-1 Credit File Monitoring2 – IDProtect will monitor your Equifax, Experian and TransUnion credit files daily, and automatically alert you if key changes occur. (Registration/activation required.)

    3-in-1 Credit Report – Request an updated credit report every 90 days or upon receipt of alert. Each new report includes an updated single bureau credit score. (Registration/activation required.) Credit Score is a VantageScore 3.0 based on Equifax data. Third parties may use a different VantageScore or a different type of credit score to assess your creditworthiness.

    Total Identity Monitoring – Monitoring of over 1,000 databases including credit, Social Security, public records, real property records, telephone and many others (Registration/activation required.) Online Identity Theft News Center and Valuable Phone and Web Resources (Registration/activation required.)

    1Special Insurance Program Notes – The description herein is a summary only. It does not include all terms, conditions and exclusions of the policy described. Please refer to the actual policy for complete details of coverage and exclusions. Insurance is offered through the company named on the certificate of insurance. Refer to Guide to Benefit for complete details of coverage. Insurance Products are not a deposit of or guaranteed by the bank or any bank Affiliate and are not insured by the FDIC or Any Federal Government Agency.

    1. Credit file monitoring from Equifax and TransUnion will take several days to begin following activation.
    2. If you are a current Secure Checking account holder, register for our IDProtect® service online.

Request Info

  • Disclaimers

  • Minimum to open this account is $50. A monthly Service Fee of $4.95 will be assessed. Includes the added benefit of IDProtect® Identity Theft Monitoring and Resolution Services. Contact a F&M Bank Personal Relationship Banker for additional details on IDProtect® Identity Theft Monitoring and Resolution Services features.