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Due to an upcoming system upgrade, historical banking statements will no longer be available online after February 6, 2026. Please log in to your online bank account and download any historical statements you may need before this date.

Checking/Savings

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

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.