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Kids with snowman and trolly on decorated street.

Holiday expenses have a way of sneaking up on us. With F&M Bank’s Christmas Club Account, you can put a little money away throughout the year and have plenty when the yuletide season rolls around. 

Account Features 

  • Minimum Opening Balance - $25 deposit required to open account 
  • By the first of November receive a check or automatic deposit to your F&M checking, savings or money market account
  • If a withdrawal is necessary prior to November, a $5 early withdrawal fee applies