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F&M Advantage

What’s the F&M Advantage?

F&M Advantage is an exclusive bank program tailored for our customers who are 50 and better.

Becoming a member of F&M Advantage couldn’t be easier!  Simply open a checking account and maintain a minimum monthly balance of $1,500 or, maintain a total balance relationship of $5,000 or more in any combination of deposit accounts.

If you are already a Farmers & Merchants Bank customer, simply visit, either in person or via telephone, one of our four locations and speak to an Advantage representative.

Banking Advantages

Advantage membership entitles you to a variety of money-saving services and products at Farmers & Merchants Bank:

  • No Service Fee Checking
  • No Fees for Unlimited Check writing
  • No Annual Fee VISA or MasterCard
  • F&M Debit Card
  • No Fee Notary Service
  • Up to Ten Free Photocopies Per Month
  • Membership Card
  • Periodic Members-only Special Offers

Also, membership offers unparalleled opportunities to learn new things, meet new friends and see new places!  Best of all, everything is coordinated by your friends at Farmers & Merchants Bank.

Travel Advantage

With F&M Advantage membership you can be “on the run and having fun” with the wonderful group travel opportunities we provide.  You can expect every aspect of an F&M Advantage trip to be first-class – from lodging to mode of travel.  We don’t cut corners!

A variety of interesting one-day trips, overnight outings, extended journeys to fabulous destinations is what we offer to our Advantage members.  In 2010, we visited Memphis, Tennessee (3 days), St. Petersburg, Russia (12-day Baltic Cruise) and New York City (4 days) plus several day trips, to include our always popular Mystery Trip.

So, come along for all the fun and let our staff pamper you while you relax and enjoy the sights.

Education Advantage

We know you have interests in a wide variety of topics.  So, from time to time, we offer seminars that will help you learn the latest about anything from investments and financial planning to your personal safety and security.  We can cover pertinent topics from A to Z with expert speakers and information that you can use!

F&M Advantage staff:

  • Barbara Walters, Advantage Coordinator - 256.236.8200
  • Debbie Moran, Piedmont Representative - 256.447.9041
  • Chasity Goodwin, Jacksonville Representative - 256.435.3366
  • Amy Pope, Anniston Representative - 256.236.8200
  • Maryann Deason, Oxford Representative - 256.835.1188

See the 2012 F&M Advantage Travel Schedule.