F&M Bank

Checking Accounts Overdraft Privilege Saving Opportunities Certificates of Deposit

Visa Debit Card/ATM Card Mobile Banking Access Online Banking Telebanking

Checking Accounts

It is all about convenience - whether it's our branch locations, automated services or diverse products and services....F&M Bank is ready to serve all of your financial needs!

Prime Advantage CheckingSM
Prime Advantage Checking is an interest bearing account that features free and discounted financial services to customers with an active F&M mortgage on their primary residence, $2,500 minimum daily savings balance or $10,000 in a single Certificate of Deposit or in a combination of CD's. Eligible account holders receive a $1000 Overdraft Privilege limit.

Bonus ClubSM
Bonus Club provides accidental death and dismemberment insurance to customers for a minimal monthly fee. Additionally, unlimited check writing and free Bonus Club checks are available to Bonus Club customers. Eligible account holders receive a $1000 Overdraft Privilege limit.

WiseChoice Checking
Designed for our customers who are 50 years of age and better, WiseChoice Checking allows unlimited check writing, free checks (limited to preselected style), no monthly minimum balance requirements and free ATM usage at F&M Bank locations, all with no monthly fees. Eligible account holders receive a $1000 Overdraft Privilege limit.

Regular Checking
This checking account features a low monthly fee and per check charge which can be waived by maintaining a minimum daily or average daily balance. There is no charge for a Visa Debit Card or ATM usage at F&M locations. Eligible account holders receive a $1000 Overdraft Privilege limit.

NOW Checking
F&M Bank's interest bearing checking account that offers unlimited check writing and ATM usage (at F&M locations) plus earns interest at a competitive rate. All fees can be avoided by maintaining a minimum daily balance or average daily balance. Eligible account holders receive a $1000 Overdraft Privilege limit.

Free Checking
A no frills checking account with no monthly fees. There’s unlimited check writing and no minimum balance to keep. Eligible account holders receive an ATM card and a $500 Overdraft Privilege limit.

Overdraft Privilege
F&M Bank provides Overdraft Privilege for personal checking accounts maintained in good standing. F&M will consider, as a discretionary courtesy, the payment of overdraft items up to a predetermined level. This can save merchant fees and embarrassment. Just ask any F&M Customer Service Representative for details.

Savings Opportunities

F&M Bank offers a savings plan suitable for each customer's saving needs.

EZ Savings
This savings account makes it easy to save. It is linked to your checking account and every month a minimum deposit of $25 is drafted from your checking into your savings. Only one withdrawal is allowed during a statement cycle.

Statement Savings
This savings account earns a competitive rate of interest which is compounded daily and provides unlimited deposits and up to three withdrawals per statement cycle.

Youth Savings - Quarterly
Perfect for younger customers learning how to manage their money. This savings account is designed for customers younger than 18 years of age. Statements are mailed quarterly.

Youth Savings - Monthly
Similar to the Quarterly Youth Savings account, this savings account provides monthly statements and is available to customers age 16-18.

Insured Money Market Account
Our Insured Money Market account is interest bearing and allows higher balances to earn a higher rate of return. This account has a limit of six preauthorized transfers and only three by check, draft, etc. per month.

Preferred Money Market Account
The account that earns our highest rate of interest. Customer must maintain a minimum balance of $10,000 to earn the higher rates. Withdrawals are limited to six preauthorized transfers, only three by check, draft, etc. per month.

Christmas Club
The holidays and all the associated expenses have a way of sneaking up on us. Begin a year long savings plan so when the holidays do arrive, so does the money.

Certificates of Deposit

Certificates of Deposit (CD's) are investments for people who:

• want the highest interest rates offered on FDIC insured deposits by F&M Bank
• want higher returns for higher balances over a longer period of time
• want stable and secure results for short or long term savings
Fixed Rate CD's
Maturities are available from three months to four years with a fixed interest rate for the term.

Risk Free Certificate of Deposit
The interest rate on this CD can vary each month but will never drop below the initial rate when the account was opened.

Liquid Certificate of Deposit
This CD has a 24 month maturity date with a bonus - one time each year, you may add additional funds or withdraw up to 25% of the principal balance. *If you are over age 60, you may withdraw up to 100% of your principal balance without a penalty.

Jumbo CD
The minimum deposit for a Jumbo CD is $100,000. Terms for this CD range from 14 days to 365 days. Rates can change daily so be sure to call any F&M office for a quote.

IRA CD (Individual Retirement Account)
A personal savings plan to set aside money for retirement with tax advantages. Both Traditional and Roth IRAs are available.

Additional Information:
The APY (annual percentage yield) assumes interest remains on deposit until maturity. A withdrawal will reduce earnings.

We use the daily balance method to calculate the interest in your account. This method applies a periodic rate to the principal in the account each day.

Interest begins to accrue no later than the business day we receive credit for the deposit for noncash items, such as checks.

If a partial withdrawal or redemption is made from a CD before the maturity date, there will be penalty charged on the amount withdrawn as shown below:

Term	Penalty
3 month	1 month loss of interest
6 month	3 months loss of interest
12-48 month	6 months loss of interest

Visa Debit Card/ATM Card
F&M Bank's Debit Card works like a check only better. Present your Debit Card for purchases anywhere VISA is accepted, and the amount is automatically deducted from your checking account. The card is also your ATM card and can be used at any ATM on the Star or Cirrus network.

Mobile Banking
Mobile Banking is a convenient and secure wireless Internet-based service which allows you to do your banking anytime, anywhere. You will be able to view account balances, pay bills, transfer funds and monitor your transactions by using your cell phone. You must first sign up for F&M Access Online Banking. Mobile banking is a free service. Please contact your cell phone carrier about any charges that may apply to web browser usage on your cell phone.

F&M Access Online Banking
This is a convenient and secure way to bank online anytime of day from any location with Internet service. Verify balances, transfer funds between F&M accounts, access account histories, stop payment orders, order checks and much more.

Telebanking
By dialing (704) 637-9922, you can access up-to-date information on all your accounts, even loans - 24 hours a day, seven days a week. You can transfer balances or check current interest rates, just by using the telephone.