COVID-19 Update:

FMS Bank branch lobbies are temporarily closed to all customers to better protect the health of our community members. However our branches remain operational via drive-up windows during regular business hours, and our ATMs and online banking services are always available. In-person appointments are available for urgent or extenuating circumstances.

Should you have further questions or wish to get banking assistance over the phone, please call your local Greeley branch at (970) 673-4501 or your Fort Morgan branch at (970) 867-3319.

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Checking

All of our checking accounts include:

  • Free instant issue Visa debit cards
  • Free bill pay
  • Free online and mobile banking
  • Free debit card protection tool
  • Free electronic statements

Windmill Simple Checking – our free checking account with the option to earn interest

    • $100 to open an account, no ongoing minimum balance requirements
    • Unlimited check writing;
    • Earn an interest rate on your account balance up to $25,000.00 by meeting these cost-saving requirements every statement cycle:

– 12 Visa debit card transactions posted per statement cycle
– 1 Direct Deposit or 1 Direct Withdrawal posted per statement cycle
– Receive e-statements only

Golden Checking – a free checking account for customers aged 55 and above

  • $100 to open an account, no ongoing minimum balance requirements
  • Unlimited check writing
  • No interest paid on balances

NOW Account – an interest-earning checking account for those who maintain higher balances

  • $1,000 to open an account
  • A service charge of $10.00 will be imposed every statement cycle if the balance in the account falls below $1000.00.
  • $0.25 will be charged for each debit transaction (withdrawal, check paid, automatic transfer or payment out of this account) in excess of 20 during a statement cycle.
  • Interest earned on account balances of any amount

Health Savings Account – an interest-earning checking account to be used exclusively for out-of-pocket medical expenses associated with a high deductible health plan.

  • $100 to open an account
  • You must be enrolled in a high deductible health plan to qualify
  • Tax-free deposits can be made to cover qualified medical expenses
  • Interest earned on account balances of any amount