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Cash Reserve

When you need fast access to cash, a cash reserve line of credit might be just what you need. Credit lines are available to you whenever you need it, regardless of how you’re planning to use the money. Need cash now? Anticipating a future need? Your cash reserve works similar to a credit card — as you pay down balances owed, that money is available to use again.


Features of a Cash Reserve Line of Credit
Personal credit lines starting as low as $500
Variable monthly payments
Flexible repayment terms

No application fee

Write a check on your account
Transfer money from your line of credit to your checking account through online banking or by calling 704-637-9922.
Overdraft protection for your F&M Bank Checking Account
All credit subject to approval

For additional information or to apply for a loan today, contact an F&M team member or visit an F&M location near you.