Personal Banking Gold Crest


Being an F&M GoldCrest Customer is the highest level of recognition and reward afforded by F&M Bank. GoldCrest Customers receive rate bumps, loan discounts and a host of ongoing benefits and special offers based on their total Personal or Business banking relationship with F&M. There are no forms to fill out or fees to pay! Simply enjoy the perks of being a GoldCrest Customer as our way of saying “thanks” for your business.

The following are just a few examples of GoldCrest Customer benefits:



GoldCrest Qualifications

To achieve GoldCrest status, a customer must have an F&M Bank Personal Checking Account PLUS qualifying minimum balances of Combined Deposit and/or Loans as outlined in the table below.1


 Combined Deposit Balances Combined Deposit &
Loan Balances
Individual $ 75,000 OR $ 100,0002

Professionals and Physicians

Business Checking Required AND $ 250,000

New personalized GoldCrest cards featuring special offers and discounts will periodically be issued. When you receive your new GoldCrest card, it’s your ticket to take advantage of your exclusive GoldCrest rewards

1Accounts must be maintained and in good standing to qualify or maintain GoldCrest status.

2Qualifying combined Deposit & Loan Balance does not include primary residential Mortgage Loan.

If you have questions about GoldCrest Customer qualifications, your status or benefits, please contact a Customer Service Representative at any F&M Bank office, or call (800) 645-4199.