Saving is a good habit to get into. Having money set aside can give you the financial flexibility you need to take advantage of life’s unexpected opportunities. That’s why F&M Bank has a savings plan to help you meet your goals.

Regular Savings Account

F&M Bank's basic savings account is available to all depositors. The initial required deposit is minimal, and both the principal and interest are available for withdrawal after being credited. Interest is paid quarterly and statements are mailed quarterly advising you of all transactions and interest earned.

Christmas Club Account

Get a head start on holiday expenses with our Christmas Club Account. If you prefer, we’ll automatically transfer any amount you choose to your Christmas Club Account from another F&M Bank account. Then in November, you’ll receive a check for your balance plus interest - just in time for your Christmas shopping.