1. Home
  2. Personal Banking
  3. Checking Accounts
  4. Secure Checking

Spend Wisely with FMB Secure Checking

Manage your money, deposit checks and pay bills or people from virtually anywhere, all with our mobile app1. And you also get a long list of valuable extras like money-saving discounts, free insurance coverage, member benefits and much more.

Phone Browser Icon

Full-Featured Checking

Online banking and more – all the features you need to bank on your terms.

Identity Protection IconIdentity Protection1

IDProtect® helps you safeguard you and your family from the rising threat of identity theft.

Cracked Mobile Phone IconCell Phone Protection4

In the unfortunate event your cell phone is damaged or stolen, Cell Phone Protection may reimburse you the cost to repair or replace your device.

Ask about an Account Register Account for Benefits

Secure Checking Benefits

  • Anywhere banking tools (online, mobile app, bill pay, debit card, Mobile Advantage Capture and eStatements)
  • Earns Interest (minimum balance of $0.01 to earn interest)3
  • IDProtect® - Identity Theft Protection Service1
  • Credit File Monitoring1 - daily credit file monitoring and automated alerts of key changes to your Experian, Equifax and TransUnion credit reports
  • Total Identity Monitoring1 - monitoring of over 1,000 databases including credit, Social Security,
    public records, real property records, telephone and many others
  • Cellular Telephone Protection1,4
  • Debit Advantage™ Buyer’s Protection and Extended Warranty1,4
  • Travel and Leisure Discount Membership1
  • Health Discount Savings1 - enjoy savings on vision, prescriptions, dental
  • $hopping Rewards™1
  • 3-in-1 Credit Report1 - request new report every 90 days or upon receipt of a credit alert
  • Credit Score1 - receive new single bureau credit score with every new credit report
  • Fully Managed Identity Theft Resolution Services1 - access to a dedicated fraud specialist assigned to manage your case who will work with you until your credit and identity are restored
  • Identity Theft Recovery Case Plan - to inform you of the recovery process
  • Up to $10,000 Identity Theft Expense Reimbursement Coverage1
  • Debit and Credit Card Registration1
  • Online Identity Theft News Center and Valuable Phone and Web Resources1
  • Up to $10,000 of 24-hour Accidental Death & Dismemberment Insurance1

Still not sure? – Compare Checking Accounts

Security Checking FAQs

IDProtect® is an identity theft monitoring and resolution service1 that protects you, your joint account holders, and eligible family members from any identity fraud event anywhere in the world. It includes the following benefits:

  • Identity Theft Expense Reimbursement1 : Receive up to $10,000 to help cover expenses associated with restoring your identity, such as attorney fees, loan application fees, long-distance calls, medical records costs, travel and accommodations, lost wages for time taken off work, and more.
  • Credit File Monitoring1 : Receive daily credit file monitoring and automated alerts of key changes to your Experian, Equifax, and TransUnion credit reports.
  • Credit Report and Score: Gain access to credit reports and credit scores. Credit Score is a VantageScore 3.0 based on single credit bureau data. Third parties may use a different type of credit score to assess your creditworthiness.
  • Debit and Credit Card Registration: Register your credit, debit, and ATM cards and enjoy peace of mind knowing you can call one toll-free number to cancel and/or request replacement cards if your cards become lost or stolen.
  • Identity Monitoring: Benefit from monitoring of more than 1,000 databases and public records to identify suspicious activity. A risk rating is generated with each monthly scan, and if your scan reflects a high-risk score, you will be notified.
  • Dedicated Fraud Specialist: Communicate with a dedicated fraud specialist assigned to manage your case and help you every step of the way until your identity is restored.
  • Online Resources: Get advice on how to protect yourself from identity theft and access valuable educational resources and news related to identify fraud and credit.
  1. Register online to access exclusive offers and discounts at thousands of online retailers.
  2. Shop online using your customized shopping portal and receive cash back.
  3. Choose to keep your cash back in our $hopping Rewards account for use toward future purchases or have your cash back sent to you as a check

You can receive up to $300 of replacement or repair costs if your cell phone is stolen or damaged anywhere in the world. A $50 deductible applies, and you can only have up to two claims per 12-month period. This protection covers up to three phones on one cell bill, and you must use your Secure Checking account to pay the bill.

For all items purchased entirely with your Secure Checking account, you will receive the following coverage:

  • Buyers Protection1:Covers items for 90 days from the date of purchase against accidental breakage, fire, or theft.
  • Extended Warranty1: Extends the U.S. manufacturer’s original written warranty for up to one full year on most new retail purchases if the warranty is less than five years.
1 Additional services require activation/ sign-up. Service provider charges may apply. Please inquire for more details and benefits included,
2 Interest varies and may require a minimum monthly balance.
3 Must be paid/ purchased entirely with this account.
4 Check printing fee may vary depending on style and quantity of checks being ordered.
5 If BillPay service becomes inactive for 90 days the service will be deactivated by the bank.
* A month is defined as a customers statement cycle

Miscellaneous Terms & Fees

A NSF (non sufficient funds) charge of $35.00 will apply to overdrafts created by check, in person withdrawals or any electronic means as applicable. (Includes ACH or Internet Transfers)

A $2.00 service charge will be imposed to close the account if the account is open less than six (6) months.

If the account is closed before interest is credited, you will not receive the accrued interest.

At our discretion, the interest rate and annual percentage yield may change at any time – please contact us for available rates.

If account is not registered by the time the account cycles, the maintenance fee will apply.

Insurance products are: NOT A DEPOSIT. NOT FDIC-INSURED. NOT INSURED BY ANY FEDERAL GOVERNMENT AGENCY. NOT GUARANTEED BY THE BANK.