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