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Horizons LogoWelcome to the F&M Bank and Trust Company Horizons Club webpage.

The Horizons Club was established in 2001 to provide our customers an opportunity to meet new people and make new friendships. Horizons Club members have the opportunity to enjoy group travel, informational seminars and a host of other bank benefits.

Horizons Checking Account
  • No minimum balance for NOW accounts
  • Free personalized checks with our Horizons Club design
  • Unlimited check writing privileges
  • A competitive interest rate on NOW account balances
Additional Member Benefits
  • Extensive local, regional and international travel opportunities!!
  • Informative "lunch and learn" seminars on relevant topics
  • No-service-fee for money orders
  • No-service-fee for cashier's checks
  • Free notary service and signature guaranty
  • Free photocopies
  • Free document shredding
  • Free Visa Check Card
  • Free membership card includes Club Rewards
  • Free safe deposit box (standard size) & 25% off larger boxes when available
  • 25% off wire transfers
  • No charge for reasonable statement requests
Joining is Easy!

Maintain a minimum combined balance of $1,500 in all checking and/or savings accounts

OR

Maintain a balance of $15,000 or more in any certificate of deposit

OR

Maintain a balance of $50,000 or more in an Investment Account

OR

Pay $15 monthly fee (A joint account qualifies both husband and wife.)



Contact any of our branch offices to join.

Please click on Photo Gallery to view photos from past club events and trips.

Please click on Calendar to view our events for the year.


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