Strike GOLD this Summer with F&M Bank

Summer is the perfect time to relax and enjoy some fun and, at F&M Bank, we’re here to help you make the most of it! With a checking or savings account from F&M Bank, you’ll be able to reach your goals regardless of what your summer has in store! Our account options make it easy to:

  • Maximize savings,
  • Earn cash back and,
  • Enjoy free checking with easy ways to avoid monthly service fees

For a limited time only, new account holders will be entered for a chance to win one of 14 American Eagle 1/10-ounce gold coins!

To qualify, simply open an account online or at your nearest F&M Bank location before September 2, 2024, and also meet the below requirements:

  • Have established a direct deposit
  • Remain in good standing through September 30, 2024

The winners of the 1/10-ounce gold coin will be randomly selected and notified by September 30, 2024.

Review your options below and call or visit one of our convenient branch locations to speak with an experienced professional today:

Consumer Account Options

F&M Cash Back

Those needing cash-back rewards with lower balance requirements.

F&M Cash Back Plus

Those who are looking for bigger rewards, carry a higher balance, and love to travel.

F&M Savings Accounts

Earn more interest as your balance grows to achieve your financial goals faster

Ideal For table arrow

Those needing cash-back rewards with lower balance requirements.

Cash Back table arrow Yes
Up to $10 cash back per month
(Every $200 spent earns $1 back).
Minimum To Open table arrow $10.00
Interest table arrow No
ATM Waivers table arrow Yes
Non-F&M Bank ATM fee waivers up to $9.
Free Additional Accounts table arrow 2
Additional Account Benefits table arrow Free Online & Mobile Banking

Free Visa Debit Card

Free e-statements ($2 for mailed statements)

Free consultation with an F&M Mortgage Advisor

Free consultation with an F&M Financial Services Advisor

Balance Requirements table arrow $1,500
Waivers (Only One Required) table arrow Only one of the below requirements must be met to avoid the monthly fee.

Set up and maintain direct deposit into your Cash Back Plus Checking Account
-or-

Maintain a minimum daily balance of $1,500 or more
-or-

Maintain F&M Savings Account, Money Market Account, or Christmas Club account
-or-

Maintain a personal loan or Home Equity Line of Credit with F&M Bank

Maintenance Fee table arrow $9.95 if one of the account waivers listed above are not met.
Ideal For table arrow Those who are looking for bigger rewards, carry a higher balance, and love to travel.
Cash Back table arrow Yes
Up to $10 cash back per month
(Every $200 spent earns $1 back).
Minimum To Open table arrow $10.00
Interest table arrow Yes
Earn 1.00% APY (Annual Percentage Yield) on your daily balance.
ATM Waivers table arrow Yes
Non-F&M Bank ATM fee waivers up to $18.
Free Additional Accounts table arrow 4
Additional Account Benefits table arrow Free Online & Mobile BankingFree Visa Debit Card

Free e-statements ($2 for mailed statements)

Free consultation with an F&M Mortgage Advisor

Free consultation with an F&M Financial Services Advisor

Balance Requirements table arrow $5,000
Waivers (Only One Required) table arrow Only one of the below requirements must be met to avoid the monthly fee.Set up and maintain direct deposit into your Cash Back Plus Checking Account
-or-

Maintain a minimum daily balance of $5,000 or more
-or-

Maintain F&M Savings Account, Money Market Account, or Christmas Club account
-or-

Maintain a personal loan or Home Equity Line of Credit with F&M Bank

Maintenance Fee table arrow $14.95 if one of the account waivers listed above are not met.