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Savings/Money Market

Regular Savings Easy Savings Premium Money Market Premier High Yield Money Market

Christmas Club Savings

Opening Deposit $0 $0; must have monthly direct deposit or automated monthly transfer into this account $0 $0 $0
Minimum Balance $200 to avoid service charge; no minimum if under 18 yrs of age $0 $1,000 $25,000 $0
Monthly Service Charge $5/monthly if daily balance is less than $200; no charge if under 18 yrs of age $0 $10/month if daily balance is less than $1,000 $25/month if daily balance is less than $25,000 $0

Interest Paid

Yes Yes

Yes, according to these checking balance levels:

  • $0 - $14,999
  • $15,000 - $49,999
  • $50,000 - $99,999
  • $100,000 and over
Yes, according to these checking balance levels:
  • $0 - $24,999
  • $25,000 - $49,999
  • $50,000 - $99,999
  • $100,000 and over
Yes
ATM Processing Fees * Free withdrawals at F&M Bank-owned machines. $2 per withdrawal at non bank-owned machines. Free withdrawals at F&M Bank-owned machines. $2 per withdrawal at non bank-owned machines. Free withdrawals at F&M Bank-owned machines. $1.50 per withdrawal at non bank-owned machines. Free withdrawals at F&M Bank-owned machines. $1.50 per withdrawal at non bank-owned machines. None allowed
Withdrawal Limits** 6 free per month

6 free per month

6 free per statement

6 free per statement None allowed
Other Benefits Can be used for overdraft protection on checking account Can be used for overdraft protection on checking account Can be used for overdraft protection on checking account Can be used for overdraft protection on checking account Funds will be deposited into an F & M account in mid-October of each year

* Does not include any applicable foreign ATM fees charged by the ATM owners.

**Transaction limitations and excess withdrawal fees may apply.  See a personal banker for details.