Online Banking

F&M Bank can help prepare you for the future! Looking to start a college fund for your child? Saving up for a new vehicle? Trying to put some money away for an upcoming renovation? Look no further than our savings accounts, check out our options below to see which solution works best for you!

Account TypeMinimum Balance to OpenMonthly Service ChargeMinimum Daily Balance to Avoid Service ChargeFee Withdrawals Allowed Per MonthInterest Rate
Passbook Savings $100 $3.00 $100 2 Call us today for rates!
Passbook Savings Minor (Up to Age 16) $1.00 None None 2 Call us today for rates!
Christmas Club Account $3.00 None None Checks cut once per year Call us today for rates!
Commercial Passbook Savings $500 $10.00 $500 2 Call us today for rates!

Passbook Savings

Saving has never been easier with F&M’s Passbook Savings account! Safely store your money and we’ll help you build towards your financial goals! Check out the features below and start banking today!

  • $100 minimum to open account
  • Maintain a minimum balance of $100 to avoid the $3.00 monthly balance fee
  • Two free withdrawals allowed per month
    • $2.00 per withdrawal fee will be imposed for every debit transaction beyond this
  • Pays competitive interest monthly as long as the $100 minimum daily balance is maintained
  • Online Banking
  • 24/7 Telephone Banking
  • Images provided in statements
  • Free Coin Counting

Passbook Savings Minor

You can never start saving too early! Set up a savings account for your child today to begin establishing their financial future! Check out the features below and start banking today

  • Up to Age 16
  • $1.00 minimum to open account
  • Two free withdrawals allowed per month
    • $2.00 per withdrawal fee will be imposed for every debit transaction beyond this
  • Pays competitive interest monthly as long as the $100 minimum daily balance is maintained
  • Online Banking
  • 24/7 Telephone Banking
  • Images provided in statements
  • Free Coin Counting

Christmas Club

Looking to save up for the holiday season? Need an account to save for annual bills such as taxes? F&M Bank’s Christmas Club accounts are the perfect solution for you! Save up throughout the year and when you’re getting ready for your holiday shopping, we’ll cut you a check for the balance. Check out the features below and start banking today!

    • Pays competitive interest annually
    • Save as much or as little as you want throughout the year
    • Checks are mailed the last week of October
    • An easy way to save for the holiday season, taxes, or other yearly expenses
    • No withdrawals1

Premature closure of a Christmas Club account results in forfeiture of all accrued interest and a $25 early closure fee

Commercial Passbook Savings

Save for the future of your business with F&M’s Commercial Passbook Savings account! Make sure you’re financially stable for any event to come! Check out the features below and start banking today!

  • $500 minimum to open account
  • Maintain a minimum balance of $500 to avoid the $10.00 monthly balance fee
  • Two free withdrawals allowed per month
    • $5.00 per withdrawal fee will be imposed for every debit transaction beyond this
  • Pays competitive interest semi-annually as long as the $500 minimum daily balance is maintained
  • Online Banking
  • 24/7 Telephone Banking
  • Images provided in statements
  • Free Coin Counting
  • Free Zipper Bag