- Community Reinvestment
- About Us
To contact F&M Bank
121 W. Pine Street
Lodi, CA 95240
1 (800) 888-1498
Reap the rewards of a high yield savings account and keep access to your money.
See important Account Disclosure Information below.*
Minimum Opening Deposit
Monthly Service Charge*
- The Monthly Service Charge will be waived if, during that monthly statement cycle, you maintain a:
- minimum daily balance of $2,500
- or a $10,000 average daily balance at the end of your statement cycle period
- or a $15,000 combined average daily balance at the end of your statement cycle period with your linked Savings, Checking or Time Deposit.
Excess Activity Fee*
- $10 fee per withdrawal in excess of six (6) per statement cycle
- Pays Interest
- F&M Bank VISA® Debit Card or ATM Card is Available Upon Request.*
Money Market. This account is available to Consumer Customers, Corporations, Government Agencies, Non-Profit Organizations, Partnerships, and Sole Proprietorships. The minimum opening deposit requirement for Consumer Customer accounts is $1,000. The minimum opening deposit requirement for business accounts is $2,500. The monthly service charge of $10 will be waived when a $2,500 minimum daily balance, a $10,000 average daily balance at the end of your cycle period or a $15,000 combined average daily balance at the end of your cycle period with your linked Savings, Checking or Time Deposit is maintained in the account during the statement cycle period. A $10 fee will be charged for each withdrawal of any type that exceeds six (6) during each statement cycle. Interest compounds monthly and is credited on the monthly statement cycle date. An Automated Teller Machine/Point-of-Sale Card is available for Consumer Customer and Sole Proprietorship accounts only.
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
Monthly Service Charge refers to a recurring monthly account service charge or account maintenance fee; other fees and charges may apply.
You are permitted to make six (6) transfers or withdrawals per monthly statement cycle by check, draft, debit card, or similar order and payable to third parties. If you during any monthly statement cycle, make more than six (6) transfers or withdrawals we may, as required by Regulation D, reclassify or close your account. For complete information please refer to our Customer Agreement & Schedule of Charges, Book I, Withdrawal Restrictions for Certain Interest-Bearing Accounts.
Other fees apply for example: a monthly Point of Sale (POS) charge, and for use of non-F&M Bank ATMs.
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.
Farmers & Merchants Bank of Central California Member FDIC.