Personal Savings

Savings Account

  • $100.00 minimum to open this account
  • Earns daily interest, compounds semi-annually on daily balances of $100.00 and above
  • Quarterly statements
  • Up to 10 debits semi-annually with no charge
  • No service charge on balances of $100.00 and above
  • Free 24-hour internet access at www.myfm.bank

E-Savings

  • $500.00 minimum to open account
  • Earns daily interest, compounded quarterly on daily balances of $500.00 and above
  • No service charge on balances of $500.00 and above
  • Monthly service fee of $10 (if you go below your $500 balance)
  • Unlimited electronic deposit transactions
  • No fee for electronic transactions
  • Up to 6 electronic withdrawal transactions per month
  • $10.00 manual transaction fee
  • Electronic statement
  • Free 24-hour ATM access at FM Bank locations
  • Free 24-hour internet access at www.myfm.bank

Christmas Club

  • An account which allows you to save throughout the year for Christmas.
  • We deposit or send your money in October – just in time for your Holiday Shopping!
  • Make deposits as you can, or transfer funds automatically from other FM Bank accounts.
  • Choose between having the balance direct deposited into your FM Bank checking or savings or having a check mailed to you in October.
  • Earns daily interest, compounded at maturity on daily balances of $25.00 and above.

Health Savings Account (HSA)

  • Must be covered by a qualifying high-deductible health plan
  • Earns daily interest, compounded monthly on daily balances of $100.00 and above
  • $100.00 minimum to open this account
  • Must keep minimum balance of $100.00
  • No monthly fee
  • Deposit and withdrawal limitations as stipulated by government guidelines
  • Free 24-hour internet access at www.myfm.bank

Insured Investment Account (MMDA)

  • $2,500.00 minimum balance to open this account
  • Earns daily interest, compounded monthly on daily balances of $2,500.00 and above
  • Tiered interest rates
  • Monthly statement with images
  • No service charge on balances of $2,500.00 and above
  • Monthly service charge of $10.00 for balances under $2,500.00
  • Limit of 6 debits to clear account per statement cycle ($5.00 per item charged over limit of 6)
  • Free 24-hour internet access at www.myfm.bank

Call FM Bank today to sign up for one of these accounts! Find your FM Bank location.

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