Deposit Services

Internet Banking

We've made it easier for you to access your accounts. Our Internet Banking service connects you to your accounts at any time and place that's convenient for you. Bank at home or from work, or even when you're on the road. A simple click of the mouse gives you the freedom to manage your finances with ease. And now, you can even view check images online! Internet Banking is available 24 hours a day, seven days a week. And it's FREE! Get started now!

Bill Payment

Now you can pay bills through Internet Banking rather than by writing and mailing checks. Our Bill Payment service allows scheduling of recurring payments and verification of past payments. It's available 24 hours a day, seven days a week--and it's FREE!

Telephone Banking

Call toll-free (877-428-2171) and follow the instructions. You can get account balance information, pay on loans, transfer funds, and more. Do your banking when it's convenient for you--24 hours a day!

Certificates of Deposit

$500 minimum to open
Competitive interest rates
Interest compounded and paid quarterly on 6, 12, 18, 24, and 30 month certificates; paid at maturity on 90 day certificates; may be paid monthly by check or deposited to an account on certificates of $5,000 or more
Possible penalty for early withdrawal

'No Strings' Checking

$50 minimum deposit to open
No monthly service charges
No per debit or per check fees
First box of checks FREE
No check images on statement

Regular Checking

$50 minimum deposit to open
Fees based on average monthly balance and number of checks written

NOW Checking

$50 minimum deposit to open
Competitive interest rates
Fees based on average monthly balance and number of checks written

Club NOW Checking

$50 minimum deposit to open
Competitive interest rates
Fees based on average monthly balance and number of checks written
Free supply of standard safety checks; half price on other checks
$10,000 accidental death life insurance

Money Market Accounts

$2,500 minimum to open
Competitive interest rates
Interest credited monthly
Six transfers allowed per cycle
$100 minimum withdrawal

Passbook Savings

No minimum deposit to open
Interest accrued daily and deposited quarterly
No monthly fees

ATM Card

First card free
No charge to our customers at our ATM
$1 for each transaction performed at non-Farmers & Merchants terminal

VISA Check Card

Like writing a check, but without the hassle!
Protected by Card Sentry
First card free

Christmas & Vacation Club

$5 minimum to open, with increments of $5 and $10
Interest paid on balance of account at time of payout

Individual Retirement Accounts

No minimum to open
Invested in CD's
Competitive interest rates
Interest compounded and paid quarterly on 6, 12, 18, 24, and 30 month certificates; paid at maturity on 90 day certificates
Additional option of 18 month variable rate CD with interest paid monthly
Possible penalty for early withdrawal

Round Up Savings

Do yourself a favor and save for yourself when you enroll in Round Up Savings. Every time you use your F&M Visa check card, the transaction is rounded up to the nearest dollar, and the round-up portion is automatically deposited to your savings account, or any account you designate. You have the option to round up even further, from $1 to $9. The savings can go to any account you choose, checking or savings, for yourself or someone else. Sign up today and start saving right away!

Electronic Statement Delivery

Get your statements via email and the benefits are obvious:

Speed. You get your statement on the day it’s available, not several days later, allowing you to reconcile your account sooner.
Ease. You will review your statement in ‘portable document format’ (.pdf), which is easy to open on any computer. No more envelopes, and no more misplaced statements!
Convenience. You can download, save, print and access your statements anytime you wish. You control your time.
Security. Your statement is delivered via a browser-based eMessaging product that protects message content throughout the entire delivery process.
Savings. It’s FREE! You’ll keep the ‘green’ in your pocket!

Sign up today!

Check out our Savings Calculator to determine how much money you need to save each week or month in order to reach your financial goals.