Savings | F&M Bank and Trust

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Anytime is a good time to start a Savings Account. Whether you are saving for something special or just putting money aside for a rainy day, a Savings Account at F&M Bank will help get you on the way! And, you can simplify the opening process by using our online account application!

  Statement Savings Money Market Deposit Account Christmas Club
Minimum to Open $100 $2,500 $5
Required Minimum Balance to Avoid Maintenance Fee $100 each quarter $2,500 each month NA
Maintenance Fee $5 $10 NA
Earns Interest Yes - See Rates Yes - See Rates Yes - See Rates
Minimum to Earn Interest $250 $1,000 $5
Withdrawal Fees $1 per withdrawal in excess of 6/month** $1 per withdrawal in excess of 6/month** No withdrawals allowed***
Online Banking Free Free Free
Online Bill Pay Free Free Free
Mobile Banking Free Free Free
Combined Statements
24 Hour Phone Banking Free Free Free


Click here to sign up for eStatements
** Federal Regulation limits the number of electronic debits (via telephone or internet) and third party checks to 6 per month.
***Funds are paid out each year in mid-October for the balance plus any earned interest. You can start a Christmas Club at any time of the year. If you close the account early, you will forfeit any earned interest.
*** Click here for the Funds Availability Disclosure

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Contact Us

To become better acquainted with F&M Bank and Trust Company, call us toll free at 877-221-6424 or stop in. We're here to help!

505 Broadway
PO Box 938
Hannibal, MO 63401

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Routing number (281573013)


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