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At F&M, we want you to get the most out of your deposits.  Our relationship bankers are ready to help you earn money and meet your savings goals.  

Regular Savings*

The perfect place to begin your savings. Whether you are saving for a rainy day, or for a big purchase, having a savings account is a must for anyone who wants to prepare for tomorrow. Open yours with as little as $100. 

Youth Savers*

It is important to teach children to save for the future. The Youth Savers is a great place to start. Open an account while your child is young and watch it grow.  You can start your child's Youth Savers account with as little as $5.00. 

Money Market Accounts*

If you wish to earn interest on your deposit, but still have the flexibility of being able to access your funds, a money market account is the option for you. At F&M Bank, we offer two Money Market Accounts designed for you, just pick the one that best fits your needs!

Investors Choice Money Market*
Welcome to the flexibility and soundness of a savings account with the advantage of greater earnings. Through a tiered rate structure, you choose your earnings.

  • Minimum deposit of $5,000 to open
  • Minimum balance of $5,000 required to avoid a $5 monthly maintenance fee
  • Interest is compounded and credited monthly
  • Accumulate funds and have the ability to access account by check, teller withdrawal and automatic or telephone transfer.*

Ultimax Money Market*
Our Ultimax Money Market is a smart way to earn higher interest on your investment dollars. Multiple tiers let you choose your earnings.

  • Minimum deposit of $50,000 to open
  • Minimum balance of $50,000 required to avoid a $25 monthly maintenance fee  
  • Interest is compounded and credited monthly
  • Your money can go to work for you right away and post to your account monthly so you can benefit from compounded interest (you earn interest on your interest).
  • Tiered interest rates provide you with additional earning power as your balance increases.
  • Account holders must have an F&M Bank Checking Account and be set up for combined eStatements to qualify.


*During any month, you may not make more than 6 withdrawals or transfers to another account or to a third party by pre-authorized or automatic transfer, telephone, online transfer or by check/debit or similar order to a third party.  

Holiday Club

Don’t let the holidays creep up on you again. By automatically transferring a little money into this account throughout the year, you will be well prepared to enter the holiday season worry-free. Take the stress out of your holiday shopping and open one today!

Certificates of Deposit

Available in many flexible terms, whether you are saving for the long or short term. We offer a CD to fit your needs and help you achieve your goals.


You can never be too prepared for retirement.  We can help you roll over your old 401k, rollover funds from qualified retirement plans, or transfer your other IRAs to consolidate your finances. We offer years of experience to help you better manage your retirement funds.


Perfect for individual depositors, CDARS and ICS are available to help you structure your large deposits to ensure full FDIC coverage up to millions of dollars. Work with a Relationship Banker to determine if a Certificate or Money Market account will work best for your needs and rest assured knowing that you have the full backing of the FDIC when you place your large deposit.