Deposit. Earn. Celebrate.

*Offer available for eligible new consumer checking customers who open a YourWay Premier, YourWay Plus, or YourWay personal checking account online or in person between 4/20/2026 and 9/30/2026. Minimum deposit to open account is $10. Establish qualifying direct deposit(s) received in the account totaling at least $1,000 within 90 days of account opening. A qualifying direct deposit is subject to verification and is defined as a reoccurring electronic deposit of payroll, social security, or pension. Person to person, bank transfers, or other electronic transfers do not qualify. Eligible accounts meeting qualifications will receive a $250 account credit within 30 days of 90 day qualification period. If the account is closed prior to incentive being credited, incentive is forfeited. At the time of verification, account must be in open status with a balance greater than $0.00. F&M Trust reserves the right, in its sole discretion to disqualify any account if F&M Trust suspects account is opened for the purpose of exploiting the promotional offer. Offer available to consumers residing with a physical address in Cumberland, Dauphin, Franklin, Fulton or Huntingdon County, PA or Washington County, MD. Account owner(s) who have participated in a checking account offer within the last 24 months are not eligible for this offer. Accounts opened online must enter promotional code NEWCK2026 at the time of application to be eligible to participate in this offer. Limit one qualifying account per account/account holder. Primary account holder must be 18 years or older to qualify. As required by law, F&M Trust will report the value of the bonus to the IRS. F&M Trust employee owned or employee joint accounts are not eligible. Offer subject to change without notice. YourWay Premier is an interest-bearing account; current available tiers and APYs as of 7/1/2026 are: $0-$4,999.99, 0.00% APY; $5,000+, 0.02% APY. Fees could reduce earnings.