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F&M Bank
Mother and daughter checking height on door frame.

Treehouse Savings

Start their financial journey on the right foot.

The key to a strong financial future is starting good money management habits early. That’s why we offer our Treehouse Savings Club to our youngest savers. More than just a free savings account, Treehouse Savings Club is a fun and rewarding way for all school aged children to start their financial journey on the right foot. 

Benefits of Treehouse Savings Club

We know that a little encouragement goes a long way in establishing lifelong habits. At F&M Bank, we offer a combination of perks and benefits designed to get your child excited about savings, promote regular deposits, and amplify each dollar saved.

Special Perks to Keep Your Saver Motivated

When your child opens an account through our Treehouse Savings Club, they’ll receive: 

  • A piggy bank to encourage saving at home
  • A passbook to keep records of their account
  • A prize for every 5 deposits made*  

Features of Treehouse Savings Club Accounts

Our custodial children’s account offers:

  • A premium interest rate with competitive returns
  • A low opening deposit of just $5
  • A balance of independence and oversight, allowing parent/guardian joint owners to monitor progress through online and mobile banking
  • A seamless transition to a Premium Savings Account at age 18, as your child reaches the next stage in their financial journey

Join the Treehouse Savings Club

It’s never too early to start saving at F&M Bank. We’re proud to offer a free, simple-to-use savings account for our youngest customers through our Treehouse Savings Club.

To open an account, visit any F&M Bank branch with your child and two forms of identification, such as a birth certificate, Social Security card, or photo ID. A minimum $5 deposit is required - we’ll take care of the rest.

 *Limit one prize per month per customer account. 

About Our Children’s Online Privacy

The Children’s Online Privacy Protection Act (COPPA) was passed to give parents greater control over what information is collected from their children online and how it is used. The law applies to websites and services directed to, or that knowingly collect information from, children under the age of 13.

F&M Bank's websites and online services are not directed to children under 13, and we do not knowingly collect information from them.

For more information about COPPA, visit the Federal Trade Commission’s website. The federal government also provides a resource called Kidz Privacy to help educate parents and children about online safety. 

























































iOS and Android Users

Download the F&M Bank app on your mobile device.