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Savings Accounts

Savings & Money Market Plans for Your Lifestyle

When it comes to important life skills, being able to save money is one of the most important. It helps dictate your future success and is the mark of a person with an eye on their goals.

F&M Bank offers multiple ways to save via our personal savings accounts. Each savings account comes with its own benefits and features to fit your unique saving needs. Compare F&M Bank’s savings accounts to see which option best suits you.

To open your Savings Account, stop in to your local F&M Bank office to speak with a member of our team or click on the button below to open your account online.


Start saving today! F&M Bank’s Savings account is easy to open.   Deposits are unlimited and the required minimum monthly balance to avoid a monthly fee is $100, making this account a great tool for both new and experienced savers. 

Student Savings

Student Savings from F&M Bank helps your child or children learn the benefit of saving. This account requires no minimum deposit, minimum balance or monthly service charge and unlimited deposits. It’s the perfect savings account for kids under age 19.

Student Savings account information


CHOICE Money Market

F&M Bank’s Choice Money Market account is a perfect solution for anyone who keeps a higher savings account balance and wants to earn higher interest. It offers monthly compounding on tiered interest, as well as limited check writing and debit card access.

Choice Money Market account information

Christmas Club Savings

Make the holidays easier by saving for them all year long with F&M Bank’s Christmas Club account. It allows you to contribute money throughout the year in return for a lump sum of the balance right as the holidays hit.

Christmas Club Savings account information


Health Savings Account

A Health Savings Account, or HSA, helps you save specifically for medical expenses. Used in combination with a high deductible health plan, an HSA ensures you have the money on hand when medical emergencies happen.

Health Savings Account information


Start Saving at F&M Bank Today

Simply stop by any F&M Bank location today in Galesburg, Brimfield or Peoria to set up your savings account.