Save ahead of the holidays — so you can spend less time stressing and more time celebrating.


Key Features

  • Competitive Interest
  • No Monthly Service Charge1
  • No Minimum Balance Requirements
  • Set aside little-by-little, year-round for holiday-related expenses
  • Competitive interest earned on entire balance
  • No monthly service charge1
  • No minimum balance requirements
  • Avoid holiday-induced debt and stress
  • Requires monthly automatic transfers from a related F&M Bank account
    • Make deposits at any time, minimum transfers as low as $20
  • Funds and interest accrued are automatically deposited to your connected F&M Bank account on the last day of October
  • Early or partial withdrawals are not permitted
    • If account is closed prior to the end of October, a $20 fee is charged and no interest earned
  • Free online and mobile banking services, including2:
    • Free eStatements
    • Free Mobile Check Deposit3
  • $20 minimum deposit to open

This account is available to Consumer Customers and requires a $20 minimum opening deposit. It authorizes monthly automatic transfers from other F&M Bank accounts to this account and the minimum transfer is $20. Interest and final distribution of your Holiday Club is credited to your related deposit account on the last day of October. The account will be renewed November 1 for the following year unless you tell us prior to the renewal date. No partial withdrawals are permitted from a Holiday Club account. If you close your account prior to maturity, no interest will be earned. A fee of $20 will be charged for any account closed prior to the end of October.

1Monthly Service Charge refers to a recurring monthly account service charge or account maintenance fee; other fees and charges may apply.

2 For new users, enrollment is required. There is no fee from F&M Bank to use Online & Mobile Banking. Internet access is required. Check with your mobile carrier about fees for internet data, text messaging, or other related services. Refer to our Online & Mobile Banking End User License Agreement for more information.

3 Some restrictions will apply and funds from a mobile deposit are not available for immediate use.  

For terms and conditions, account information, and a list of fees and charges that may apply, please refer to our Customer Agreement & Schedule of Charges, Books I & II.

This information is effective 1/1/2024 and subject to change anytime without notice.