FDIC-Insured - Backed by the full faith and credit of the U.S. Government
F&M Bank 
Online Banking
Download our app
Just scan the QR code and grab our mobile banking app—it’s super easy and makes banking a breeze!
Download our app
Tap the badge and grab our mobile banking app—it’s super easy and makes banking a breeze!
Grow your money with our secure and accessible savings accounts.
F&M Bank offers investment and growth options to meet the needs of our clients. From educational savings accounts to free savings accounts, we have an option for every client and every situation. Insured by FDIC, you can depend on secure savings from a team you know and trust when you work with F&M Bank. Contact one of our experienced team members with questions.
Interest-Bearing
Money Market
Saving more money gets you a greater return! This interest-bearing account is a great, low-risk option that offers benefits typical of both a checking and savings account.Open an account with only $10!
Interest
Premium Savings
Watch your interest rate rise as your nest egg grows. You can waive the quarterly service charge with a low average balance of $100.
Kids Savings
Treehouse Club
This special account is for kids aged 6-18. There are no minimum balance requirements or service fees. Teach your kids financial literacy basics and give them a sense of ownership over money they earn or receive as gifts.
Holiday Savings
Christmas Club
These beloved holiday savings accounts are almost extinct in today’s world. Only your local community bank gives you the chance to save for Christmas or other major events while earning interest on deposits.
Education Savings
Coverdell Education
Previously called “Education IRAs,” these CD accounts help you contribute to a child or children’s future educational expenses.
Certificates of Deposit
CDs
Whether you’re saving for a long-term goal or short-term objective, consider a Certificate of Deposit (CD) as a top choice for your financial plan.