Market Rate Savings Get Started TodayApply at an F&M Office Market Rate Money Market Get Started TodayApply at an F&M Office
Minimum Opening Balance $100 $100
Account Fees $10 Minimum Balance Fee Per Quarter Apples if the Average Daily Balance for the Quarter Falls Below $500

$2 Per Check/Withdrawal Fee Applies for Each Withdrawal Exceeding 3 Per Quarter if the Balance in the Account Falls Below $500 Any Day of the Quarter

A $3 Paper Statement Fee is Assessed for Each Paper Statement Mailed Unless You Enroll in eStatements.

$15 Early Closure Fee applies if the Account is Closed Within 12 Months of the Opening Date.
$15 Minimum Balance Fee Per Month Applies if the Balance in the Account Falls Below $2,500 Any Day of the Statement Cycle

A $3 Paper Statement Fee is Assessed for Each Paper Statement Mailed Unless You Enroll in eStatements

$15 Early Closure Fee Applies if the Account is Closed Within 90 Days of the Opening Date
Limited Withdrawal Privileges1  Checkmark  Checkmark
Check images Included
With Monthly Statement
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Free Debit MasterCard®2    Checkmark
Free Debit Card Alerts4    Checkmark
ATM Access with Your Linked
F&M Checking Account’s
Debit MasterCard®2
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Free Online Banking3  Checkmark  Checkmark
Free Mobile Banking with Mobile Check Deposit4  Checkmark  Checkmark
Free eStatements & eNotices  Checkmark  Checkmark
Interest Competitive Variable Rate; Interest Accrues Daily and is Paid to the Account Quarterly Competitive Variable Rate; Interest Accrues Daily and is Paid to the Account Monthly
If the Account is Closed Before Interest is Paid,
the Accrued Interest will not be Credited
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Combined Monthly Statements   Checkmark 
Combined Monthly Statements or
a Quarterly Savings-Only Statement
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Tiers Offered:
$0.01-$9,999.99;
$10,000-$24,999.99;
$25,000-$49,999.99;
$50,000-$99,999.99;
$100,000 or more
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  Market Rate Savings Get Started TodayApply at an F&M Office Market Rate Money Market Get Started TodayApply at an F&M Office

Some account features and benefits may be subject to separate application, agreement, and/or approval. Terms and Conditions may apply. Account features are subject to change with or without notice. For additional details, please refer to Service & Fees located at fmb.com/fees, or the agreement and disclosures provided at the time of account opening, or ask our office staff.

  • 1Up to six transfers or withdrawals are allowed per month to another account of the depositor or to a third party by means of a pre-authorized, automatic or telephonic transfer, or by check, draft, debit card, ATM card or similar order payable to third parties. Exceeding these limitations may result in the closure of your account or the transfer of funds to another qualified account type.
  • 2Other financial institutions and ATM operators may charge an additional surcharge fee for use of their ATM, which is disclosed and debited at the time of your transactions.
  • 3Online Banking is available for clients 13 years old and over.
  • 4F&M Bank does not charge for this service, however, your wireless carrier may charge you fees related to this service.