Saving is always a smart move, whether it’s for next week or next year. We help make it easy.


Key Features

  • Competitive Interest
  • Online & Mobile Banking2
  • Save up for something specific or simply a rainy day
  • Competitive interest on entire balance
  • Avoid the $3 monthly service charge by maintaining a minimum daily balance of $300 or more1
  • 6 free withdrawals per month; $2 fee for withdrawals in excess thereafter
    • Fee(s) for excess withdrawals are waived if $300 minimum daily balance is maintained
  • Free online and mobile banking services, including2:
    • Free eStatements
    • Free Mobile Check Deposit3
  • $100 minimum deposit to open

This account is available to Consumer Customers (including Trustees), Non-Profit Organizations, and Sole Proprietorships. It requires a $100 minimum opening deposit. Six (6) withdrawals of any type may be made without charge excluding overdraft transfers. If your daily balance remains at least $300 at all times during the monthly statement cycle, additional withdrawals will be without charge. However, if you do not maintain the minimum balance, a $3 monthly service charge will be imposed and if more than six (6) withdrawals of any type are made, each of these additional withdrawals will result in a $2 service charge fee. Interest is credited to the account at the end of each calendar quarter.

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 10/1/2023 and subject to change anytime without notice.