Checking/Savings

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F&M State Bank can help with your deposit needs!

Regular Checking

  • Minimum Balance to open: $100
  • Monthly Statements (paper or electronic)
  • Free Debit Card upon approval
    • To report your debit card as lost or stolen after business hours, please call 1-800-472-3272
    • credit card stack

Now Checking 

  • Minimum Balance to open: $1000
  • Competitive Interest Rates
  • Fee imposed if daily balance falls below $500
  • Monthly Statements (paper or electronic)
  • Free Debit Card upon approval

Regular Savings

  • Minimum Balance to open: $100
  • Competitive Interest Rates
  • Quarterly Statements (paper or electronic)

MMDA Savings

  • Minimum Balance to open: $2500
  • Competitive Interest Rates
  • Fee imposed if daily balance falls below $2500
  • Quarterly Statements (paper or electronic)

We offer automatic funds transfers, insufficient funds transfers, and maintenance transfer of funds upon request. F&M State Bank is your local community bank that offers friendly, personal service with low account fees.