- Community Reinvestment
- About Us
To contact F&M Bank
121 W. Pine Street
Lodi, CA 95240
1 (800) 888-1498
It is never too early for your children to learn the value of saving.
A Junior Savers Account helps your children to save cash gifts or part-time earnings, and develop good saving habits at the same time.
See important Account Disclosure Information below.*
Minimum Opening Deposit
Monthly Service Charge*
- No Monthly Service Charge
- No Minimum Balance Requirements
Excess Activity Fee
- $2 fee per withdrawal in excess of six (6) per statement cycle
- Excess Activity Fee(s) will be waived if, during that monthly statement cycle, you maintain a minimum daily balance of $300 in your Junior Savers account.
Available to Those Under 18, and Owned Jointly by an Adult
- Available to Consumer Customers under the age of 18.
- The Junior Savers account must be owned jointly by a minor and an adult.
- If the minor has a valid government issued picture ID, the minor may sign on the account individually.
Junior Savers. This account is available to Consumer Customers under the age of 18. Upon reaching the age of 18, the account will be transferred to a Regular Savings account. Monthly maintenance charges will then be assessed depending on the account balance (please see Regular Savings, in our Customer Agreement & Schedule of Charges, Book II). The Junior Savers account must be owned jointly by a minor and an adult or as a custodian account held for a minor unless the minor has a valid government issued picture ID, in which case the minor may sign on the account individually. This account requires a $10 minimum opening deposit, has no monthly service charge, and permits six (6) withdrawals of any type during each month without charge. If your daily balance at any time falls below $300 during your statement cycle and if withdrawals of any type exceed six (6), a $2 service charge fee per withdrawal will apply. However if your daily balance remains at least $300 during the monthly statement cycle additional withdrawals will be without charge. Interest is credited to the account at the end of each calendar quarter. An Account Closure Fee is also assessed if the account is closed within 6 months of the opening date.
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.
*Account Disclosure Information
No Monthly Service Charge refers to a recurring monthly account service charge or account maintenance fee; other fees and charges may apply.
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 which you received at account opening.
This information is effective 8/1/14 and subject to change anytime without notice.