Skip to contentBonuSelect Saver
- Free account that builds your savings effortlessly
- Links to free Xtra Checking or Xtra CashBack Checking
- No minimum balance to earn rewards
Learn MoreSavings Account
- Set aside for something specific or simply a rainy day
- Limited to 6 free withdrawals per quarter
- Free digital banking services
Learn MoreMoney Market Account
- Competitive, tiered rates
- Higher balances earn higher rates
- Enjoy flexibility with enhanced access to funds
Learn MoreCertificates of Deposit (CDs)
- Fixed rates, higher than regular savings
- Receive higher rates by selecting a longer term
- Provides more guarantee than other risky investments
Learn MoreIndividual Retirement Accounts (IRAs)
- Tax-advantaged retirement savings1
- Interest rates well above standard savings
- Traditional and Roth IRAs available
Learn MoreSavings Made Simple
- Use your F&M Bank debit card as you normally would.
- Each purchase is rounded up to the nearest dollar.
- At end of the day, the total “round ups” are combined and one accumulative round up total is transferred the next business day.
- If the round up total is not available in your account, the transfer simply won’t occur, no worries.
- Savings Made Simple linked to our standard Savings Account only.
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