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F&M Bank offers the Visa® Payroll CheckCard Account for those individuals who don't want a checking account. This account is electronic only and may be used to access cash at most ATM machines and make purchases any place Visa® is accepted.
- Direct Deposit to open the account and no minimum deposit required
- No verification through ChexSystems
- No risk of loss or theft by carrying cash
- F&M Bank sends a monthly statement to cardholders itemizing direct
deposits and every electronic debit
- Employees can add a spouse to the account and order a second card for the
spouse.
- If the spouse's employer offers direct deposit payroll, the spouse can
direct their employer to direct deposit to the same account
- ATM transactions - all Oklahoma QuikTrip locations allow free ATM access. Other machines may charge a fee for each withdrawal. You will be prompted to cancel your transaction if you do not want to pay the fee.
- Low cost account maintenance - $1.00 per month
- Low transaction fees - $1.00 per ATM withdrawal, $.50 per ATM balance
inquiry and $1.00 per telephone inquiry
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