Visit Rivers and Spires Website! 

Request your 2013 statements today!

Meet the Centsables Here!

We may be calling you...

Verified by Visa - Register Today! 

 VIP Interest Checking Slide

Home Loans Reality

Mobile Banking Anywhere

eBanking Its THAT Easy

MyChoice Debit Slide

Merchant Research

Online Education Center Slide

 

Savings Accounts

Select A Savings Account To Suit Your Needs!  A sure way to secure your financial future is by SAVING today! There's nothing more rewarding than watching your MONEY GROW ... simply because you made a SMART CHOICE. Whether your savings mission is for a not so far off purchase or for a comfortable retirement ... your money is safe because it's FDIC insured for up to $250,000.

Easy Save Account

If you've had a hard time developing a savings discipline, F&M's new Easy Save Account is for you. With automatic transfers from checking to savings, and a much higher interest rate, it's the perfect way to save up for an emergency fund, the kids education or for that something special. Click here for more information on Easy Save.

  • Account Requirements - Customer must have an F&M Checking Account and set up a minimum $50 per month automatic transfer from one or more F&M Checking accounts into the Easy Save Account.
  • Minimum Opening Balance - $10
  • Access To Funds - You can make withdrawals at any F&M Bank office or make transfers in and out of your account via Online Banking or Telephone Banking.
  • Withdrawals - Three allowed each quarter at no charge. Click here for fees charged for withdrawals above maximum.
  • Interest Earnings - Calculated daily, compounded and credited quarterly
  • Account Statements - Mailed quarterly

Choice Money Market

This is a smart investment choice if you want to earn aggressively tiered market interest rates, but maintain total access to you money!

  • Minimum Opening Deposit – $2,500
  • Tiered Interest Rates – Paid on all balances. As you increase your account balance, you’ll earn more! Your interest rate INCREASES based on the following tiers:
    • $0 - $9,999
    • $ 10,000 - $ 24,999 
    • $ 25,000 - $ 49,999 
    • $ 50,000 - $ 99,999
    • $100,000 - $199,999
    • $200,000 and up
  • Click here for current interest rates.
  • 24-Hour Access – Withdrawals can be made at any F&M Bank office. You can transfer funds in and out of your account via Online Banking and our toll-free Telephone Banking.
  • Deposits – Add to your balance anytime
  • Withdrawals/Transfers – Up to six free transactions are allowed each month. Click here for Fees 
  • Free Checks
  • $12 Monthly Fee waived on balances of $2,500 and above Click here for Fees
  • Monthly Account Statements 

Regular Savings

Whether you are putting aside money for a rainy day or a major purchase down the road, this account will help you develop good savings habits while earning interest on your money

  • Minimum Opening Balance – $100
  • Access To Funds – If you have an F&M Bank checking account, you can make deposits and withdrawals at any F&M Bank office. Transfers in and out of your account can be made via Online Banking and Telephone Banking. You can likewise get cash from your account at any VISA or Cirrus network ATM worldwide (fees may be charged by other banks for using their ATMs).
  • Interest Earnings – Calculated daily, compounded and credited quarterly on balances of $500 and above
  • Withdrawals – At least three allowed each quarter at no charge Click here for Fees
  • Account Statements – Mailed quarterly
  • No Service Charge – On account balances of $500 and above. There is no service charge for persons age 50 and above Click here for Fees 

Youth Savings

The key to building good savings habits is to start young. F&M Bank offers this NO FEE savings account for persons under 21 years of age. Savings 3

  • Minimum Opening Balance – $50
  • Interest Earnings – Calculated daily, compounded and credited quarterly on ALL BALANCES
  • Withdrawals – At least three allowed each quarter at no charge Click here for fees
  • No Service Charge
  • Account Statements – Mailed quarterly