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Savings Accounts

We offer an array of financial products and services including our easy-to-use Savings Accounts.


  • $50 deposit required to open account
  • Limited to 6 pre-authorized debits per calendar month
  • $3 excess withdrawal activity fee for each debit in excess of 6 debits per calendar month
  • Interest will be compounded and credited to account semi-annually
  • Free ATM card available upon request


  • No deposit required to open account
  • No maintenance or activity fees
  • Interest on this account is added to account at maturity and is included in your annual Christmas Club Check which is issued in November.
  • Withdrawals from this account are not permitted unless you are closing account

(for customers with high deductible health plans)

  • $50 deposit required to open account
  • $25 annual maintenance fee
  • Free ATM card (debit card with signature-based transactions only)
  • Check writing access with no limit
  • Interest is compounded and credited to account on last business day of each month

Other savings options for you include:

Certificate of Deposit
CDs have a specific, fixed term (often three months, six months, or one to five years) and 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 For maximum benefit, CDs are to be held until maturity, at which time the money may be withdrawn together with the accrued interest. Contact F&M Bank for current interest rates.

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, SIMPLE and SEP.

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

Choose F&M Bank