Save all year round for your holiday shopping. It is easy with automatic transfers into your Holiday Savings Club Account. With a little each month, you will be surprised at how much you have saved.

• Pays Interest: A little extra can go a long way.
• Only $20 Minimum Opening Deposit: Then your Holiday saving begins.
• No Monthly Service Charge: That's our gift to you.
• Automatic Transfers: Add to your savings without lifting a finger.
• Click Account Information tab for more details*.

For more information visit any of our convenient locations or call us at (800) 888-1498, M-F 8am-6pm PST. Either way, one of our friendly and knowledgeable Customer Service Representatives will be happy to assist you. For complete account information, please refer to our Customer Agreement & Schedule of Charges which you receive at account opening.

*This savings plan authorizes monthly automatic transfers from other F&M Bank accounts into your Holiday Club Savings Account. The minimum transfer is $20 each month. Interest and final distribution of your Holiday Club Savings is credited to your related deposit account on the last day of October. The account will be renewed November 1st for the following year unless you tell us prior to the renewal date. No partial withdrawals are permitted from this account. If you close your account prior to the maturity, no interest will be earned. A fee of $20 will be charged for any account closed prior to the end of October. Personal accounts only. Restrictions may apply. Other fees and charges may apply and may reduce earnings. For complete account information, please refer to our Customer Agreement & Schedule of Charges which you receive at account opening.

Farmers & Merchants Bank of Central California Member FDIC.