Personal Banking Tabs

Checking

Personal

FMS offers a complete suite of personal accounts, mortgage loans, and other loans designed to meet your needs for today and the future. Check out our free Windmill Simple checking account—with the option to earn interest.

Online Banking Services for Personal Accounts

All of our checking accounts include:

  • Instant issue Visa debit cards
  • Bill pay
  • Online and mobile banking
  • Debit card protection tool
  • Electronic statements

The experienced and friendly teams at our banking locations in Greeley and Fort Morgan are here to answer your questions and help find the right products to make managing your finances simpler.

Windmill Simple Checking – our free checking account with 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 ages 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

Money Market


Money Market Account – earn higher levels of interest with this account

  • $1,000 to open an account
  • A service charge of $10.00 will be imposed every statement cycle if the account balance falls below $1000.00
  • You may make six (6) transfers from your account each four (4) week or similar period, if by preauthorized or automatic transfer; or telephone (including data transmission) agreement order or instruction; or by check, draft, debit card or similar order (including point of service transactions), made by the depositor and payable to third parties. An excessive withdrawal fee of $5.00 will be charged for each transaction in excess of these limitations.
  • Transfers and withdrawals made in person, by messenger, by mail or at an ATM are unlimited with no charge.
  • Interest earned on account balances of any amount

MCC Foundation Money Market Account – support Morgan Community College Foundation, and earn interest on your account balance

    • $1,000 to open an account
    • A percent of interest earned on the account is donated to the MCC Foundation
    • A service charge of $10.00 will be imposed every statement cycle if the balance in the account falls below $1000.00
    • You may make six (6) transfers from your account each four (4) week or similar period, if by preauthorized or automatic transfer; or telephone (including data transmission) agreement order or instruction; or by check, draft, debit card or similar order (including point of service transactions), made by the depositor and payable to third parties. An excessive withdrawal fee of $5.00 will be charged for each transaction in excess of these limitations.
    • Transfers and withdrawals made in person, by messenger, by mail or at an ATM are unlimited with no charge
    • Interest earned on account balances of any amount

Savings


Regular Savings Account – Our traditional savings account
  • $100 to open an account
  • A service charge of $3.00 will be imposed every quarter if the balance in the account falls below $300.00 any day of the quarter
  • $1.25 will be charged for each debit transaction (withdrawal, check paid, automatic transfer or payment out of this account) in excess of 6 during the quarter.
  • You may make six (6) transfers from your account each four (4) week or similar period, if by preauthorized or automatic transfer; or telephone (including data transmission) agreement order or instruction; or by check, draft, debit card or similar order (including point of service transactions), made by the depositor and payable to third parties. An excessive withdrawal fee of $5.00 will be charged for each transaction in excess of these limitations.
  • Transfers and withdrawals made in person, by messenger, by mail or at an ATM are unlimited with no charge
  • Interest earned on account balances of any amount
  • Minor Savings Account – a savings account designed for youth, ages birth to 18

        • $25 to open an account
        • A service charge of $2.00 will be imposed every quarter if the balance in the account falls below $25.00 any day of the quarter.
        • $1.25 will be charged for each debit transaction (withdrawal, check paid, automatic transfer or payment out of this account) in excess of 6 during the quarter.
        • You may make six (6) transfers from your account each four (4) week or similar period, if by preauthorized or automatic transfer; or telephone (including data transmission) agreement order or instruction; or by check, draft, debit card or similar order (including point of service transactions), made by the depositor and payable to third parties. An excessive withdrawal fee of $5.00 will be charged for each transaction in excess of these limitations.
        • Transfers and withdrawals made in person, by messenger, by mail or at an ATM are unlimited with no charge.
        • Interest earned on account balances of any amount

    Retirement/Investing


    Certificates of Deposit – earn higher interest rates and manage your liquidity using these savings options.

        • Call us for opening balance requirements, length of terms and rates earned on these accounts.

    Individual Retirement Account (IRA) – tax-advantaged savings accounts for retirement planning

        • Call us for opening balance requirements, length of terms and rates earned on these accounts.