Premium Savings
Premium Business Savings Accounts
Your interest rate increases as your balance grows.
FDIC-Insured - Backed by the full faith and credit of the U.S. Government
F&M Bank 
Online Banking
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Download our app
Tap the badge and grab our mobile banking app—it’s super easy and makes banking a breeze!
Account Features
- Tiered interest rate based on daily balance
- Low $10 Minimum Balance to earn interest
- Low initial opening deposit of $10
- Quarterly average balance of only $100 waives the service charge of $10 per quarter.
- Service charges waived for non-profit organizations.
- Interest earned is compounded daily, credited quarterly.
- Free and easy transferring between accounts to manage bills using NetTeller Online Banking or Instant InfoLine telephone banking
- Activity Summary shown on your annual statement which is produced the end of May each year
1No fee charged by Farmers & Merchants Bank for transactions at other banks’ ATMs. Other ATM owners may charge a fee.
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