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Your First Account

Learn the basics, like how to open a checking account

Banking Basics

You’re opening your first bank account! Excited and slightly disoriented at the same time? You’re not alone. This is new territory, after all. To help you get the lay of the land, we pulled together some answers to a handful of questions new customers typically have.

Banking Basics FAQs

Our software uses an Image Quality Assessment (IQA) tool to automatically identify problems with the check image. If the software detects a problem, you’ll be asked to retake the photo.

Generally, if we receive and accept an image of an item you transmit through Mobile Deposit before our daily cut-off time, we’ll consider that business day the day of deposit. Funds from deposits received, accepted and successfully processed through Mobile Deposit are typically available for withdrawal the first business day after the day of your deposit. Note: Successful processing of a check or item could be delayed due to bank review and verification procedures. F&M may apply additional delays on the availability of funds based on any other factors we determine at our sole discretion.