Let's get going!

In order to get started, select an account that works for you.

Everyday Checking

Looking for a straightforward checking account that fits your everyday needs? Everyday Checking makes managing your money easy and hassle-free. Everyday checking is designed to give you the flexibility you need without breaking the bank.

Features:

Open your account with just $50
Make an unlimited number of Deposits
Maintain a low $100 minimum balance to waive the $5 monthly fee
Access your funds anytime
Enjoy free online and mobile banking

Loyalty Rewards Checking

Earn up to 5.05% APY* on balances up to $25,000

The More You Qualify, the More You Earn!
Boost your interest rate with every qualifying action you take.
Start earning more today with Loyalty Rewards Checking!

Here's how to maximize your rewards:

Setup Direct Deposit or ACH payments
Use your Debit Card regularly
Have a combined $25,000 Deposit/Loan Relationship
This account is auto-enrolled in E-Statements

The Bundler Checking

Download "The Bundler by F&M" app today!

Save money on the things you already pay for with The Bundler by F&M – a checking account that combines all the features you need with exclusive benefits and instant savings on everyday items at your fingertips.

Features:

Online Banking & Mobile
BillPay
eStatements
Debit Card

Statement Savings

Save a little everyday build a lot over time.

The starter savings account to fund weekly or bi-monthly and dip into when you need to.

Features:

$3 monthly fee waived on balances of $300 or more
Interest Compounded daily and credited quarterly
$100 minimum deposit to open
Free online and mobile banking
Make deposits anytime or setup direct deposit

Loyalty Rewards Savings

Earn up to 1.75% APY* on balances up to $100,000

The Perfect Partner for Your Loyalty Rewards Checking!

Rack up rewards while you save. Combine a Loyalty Rewards Savings account with Loyalty Rewards Checking. The more account qualifiers you meet the more your savings grow.

Features:

Tiered interest rate rewards
Online and Mobile Banking
No minimum balance
Free Debit Card
This account is auto-enrolled in E-Statements

Dream Builder

Earn 5.12% APY* on balances up to $500

Help your child realize their dreams with the Dream Builder Account—an interest-bearing checking account that grows with them, offering valuable financial knowledge and exclusive benefits from birth to age 21.

Features:

$25 Opening Bonus after your initial deposit
Low minimum opening balance
Overdraft protection available for an additional charge

Promo CDs

Pick a CD term that works for you!

Lock in a guaranteed return with F&M CDs and take advantage of our competitive APY rates to grow your savings faster – secure your future today. Start with selecting from one of our 5, 10, 20, or 30 month CD terms, then make a low minimum opening deposit and start savings today.