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Savings Accounts

Good banking happens here every day, like through our easy-to-use Savings Accounts.

These interest bearing accounts feature a free ATM card, six free withdrawals per month from an F&M Bank ATM, three free withdrawals per month from a non-F&M Bank ATM ($1.50 thereafter), withdrawals made with an F&M Bank teller are free of charge, and free mobile and online banking.

Simply make a $50 deposit to open any F&M Bank Savings Account to fit your lifestyle and financial needs:

Premier Savings

  • $100 minimum average collected balance requirement
  • $5 minimum balance fee is waived if minimum balance is met
  • $2 per month is waived with use of e-statements

Premier Money Market

  • $2,500 minimum average collected balance requirement
  • $10 minimum balance fee is waived if minimum balance is met
  • $2 per month is waived with use of e-statements
  • Limited check writing access

Student Savings (for students up to 23 years of age)

  • No minimum balance

$um Buddy Kids Club SavingsĀ (for kids ages 0 to 12)

  • No minimum balance
  • Get a punch on Kids Club card with each deposit
  • After 6 punches, receive a $1 deposit into your account

Health Savings (for customers with high deductible health plans)

  • Free ATM card (debit card with signature-based transactions only)
  • Check writing access with no limit
  • $25 set-up fee
  • $2 per month is waived with use of e-statements

Other savings options for you include:

Certificate of Deposit
CDs have a specific, fixed term (often monthly, three months, six months, or one to five years) and, usually, a fixed interest rate. For maximum benefit, CDs are to be held until maturity, at which time the money may be withdrawn together with the accrued interest.

Individual Retirement Account
IRAs are an investing tool used to earn and earmark funds for retirement savings. F&M Bank can help you with several types of IRAs, such as Traditional, Roth and SEP.

Stop by to open your new savings account today! Plus, find more information about our value-added services.

Choose F&M Bank – banking that feels right