Account management is just a few clicks away, thanks to online banking.
With the ability to manage your money 24/7, we make it easy to bank on your own time right from your computer, tablet, or smart phone.
Features You’ll Love
- Access a variety of digital convenience services for free
- Schedule one-time or recurring bill pay
- View accounts from home, the office, or anywhere
- For any online banking issues call our help desk number 1-888-276-1079.
- Free, secure, and easy-to-use service for F&M Bank customers
- Manage a number of banking activities anytime, anywhere with internet access:
- Access e-statements
- View account balances and history
- Transfer funds between accounts (one-time and recurring transfers)
- View checks written
- Make loan payments
- And more!
- Pay one-time or recurring bills with ease:
- Schedule payments in advance
- Set up payment reminders
- Ensure payments are received on time
- Have all payee information in one convenient place
- Retain funds until paper drafts are presented for payment
- Avoid paper clutter
- More secure than paper billing
- Make more time for yourself; fewer bank trips necessary
- Print or download to popular financial management software
- Save paper
- Fast, free, and easy alternative to paper statements
- Easier to retrieve info when needed
- Eliminate a paper trail
- Reduce chances of fraud and identity theft
- Arrive faster than paper statements
- Simplify recordkeeping for your business
- Easily access past statements
- Ability to download for permanent storage or print if needed
Use this calculator to determine your projected earnings from our Kasasa Cash account. Move the sliders or type in the numbers to see your potential rewards.
- Estimated Annual Rewards $0
- Estimated monthly interest earned* $0
- Monthly ATM fees refunded**$0
This calculator compares the costs of buying or leasing a vehicle. There are three sections to complete, and you can adjust and experiment with different scenarios.
- Net cost of buying $0
- Net cost of leasing $0
A fixed-rate, fixed-term CD can earn higher returns than a standard savings account. Use this calculator to get an estimate of your earnings. Move the sliders or type in numbers to get started.
- Total value at maturity $0
- Total interest earned $0
- Annual Percentage Yield (APY)0.000%
Whether it's a down payment, college, a dream vacation...a savings plan can help you reach your goal. Use the sliders to experiment based on length of time and amount per month.
- Monthly deposit needed to reach goal $0
This calculator can help you get a general idea of monthly payments to expect for a simple loan. Move the sliders or type in numbers to get started.
- Estimated monthly payment $0
- Total paid $0
- Total interest paid $0
Certificates of Deposit (CDs)
| Term | Minimum Required Opening Deposit | Interest Rate | APY |
|---|---|---|---|
| 3 Months (Assumes 90 Days) | $1,000 | 2.00% | 2.02% |
| 6 Months (Assumes 182 Days) | $1,000 | 2.25% | 2.27% |
| 1 Year (Assumes 365 Days) | $1,000 | 3.50% | 3.55% |
| 18 Months |
$1,000 |
3.50% |
3.55% |
| 2 Years | $1,000 | 3.50% | 3.55% |
| 3 Years | $1,000 | 2.25% | 2.30% |
| 4 Years | $1,000 | 2.25% | 2.30% |
| 5 Years | $1,000 | 2.25% | 2.30% |
Certificate of Deposits are subject to an early withdrawal penalty, if we allow the withdrawal of any of the principal prior to maturity.
Free Kasasa Cash Checking*
| Balance | Minimum Required Opening Deposit | Interest Rate | APY |
|---|---|---|---|
| $0 - $20,000 | $25 | 3.9284% | 4.00% |
| $20,000+ | $25 | 0.4988% | 4.00% to 1.08% |
| All balances if qualifications not met | $25 | 0.05% | 0.05% |
Qualifications
By doing banking basics that you’re probably already doing (we call them “qualifications”), you earn rewards. To earn your rewards, just do the following transactions and activities in your Kasasa Cash® account during each Monthly Qualification Cycle:
- Have at least 12 debit card purchases post and settle
- Be enrolled in and agree to receive E-Statements
- Be enrolled in and log into online banking
Even if you don’t meet your qualifications during the cycle, your Kasasa Cash account is still free. Plus, you’ll earn our base interest rate. And you can get right back to earning your full rewards the very next month!
Freedom Checking
| Balance | Minimum Required Opening Deposit | Interest Rate | APY |
|---|---|---|---|
| $0 - $4,999.99 | $2,000 | 0.05% | 0.05% |
| $5,000 - $9,999.99 | $2,000 | 0.05% | 0.05% |
| $10,000+ | $2,000 | 0.25% | 0.25% |
Health Savings Accounts
| Opening Deposit | Interest Rate | APY |
|---|---|---|
| $25.00 | 0.25% | 0.25% |
Health Savings Accounts (HSAs) are subject to limitations and/or penalties imposed by the Internal Revenue Service. Please see your HSA Agreement or your tax advisor for additional information.
Individual Retirement Accounts (IRAs)
| Type | Term | Minimum Required Opening Deposit | Interest Rate | APY |
|---|---|---|---|---|
| Regular IRA | CD - Fixed Rate | $500 | 1-5 Yr. | CD |
| Roth IRA | CD - Fixed Rate | $500 | Rates | Apply |
| Roth IRA | Variable Rate | $500 | 3.00% | 3.03% |
| Self Directed IRA | Variable Rate | $500 | 3.00% |
3.03% |
The applied interest rates and corresponding annual percentage yields are subject to change for Money Market Accounts and Certificate of Deposits on the day following the U.S. Treasury Bill Auction usually held on Monday of each week. We may change the applied interest rates and annual percentage yields on the Money Market Tiers each week.
Jumbo CDs ($100,000+)
| Term |
Min. Required Opening Deposit |
Interest Rate | APY |
|---|---|---|---|
|
12 Months |
$100,000 | 4.00% | 4.06% |
Certificate of Deposits are subject to an early withdrawal penalty, if we allow the withdrawal of any of the principal prior to maturity.
Kasasa Saver*
| Balance | Minimum Required Opening Deposit | Interest Rate | APY |
|---|---|---|---|
| $0 - $100,000 | $25 | 1.9819% | 2.00% |
| $100,000+ | $25 | 0.4988% | 2.00% to 1.25% |
| All balances if qualifications not met | $25 | 0.05% | 0.05% |
Qualifications
Qualifying for Kasasa Cash rewards automatically qualifies you for the highest Kasasa Saver® rate too. Simply do the following activities and transactions in your Kasasa Cash account each monthly qualification cycle:
- Have at least 12 debit card purchases post and settle
- Be enrolled in and agree to receive E-Statements
- Be enrolled in and log into online banking
It's no problem if you miss a qualification cycle. Both accounts are still free and earn our base interest rate. And you can get back to earning rewards the very next month you qualify.
National Market Rates (Source: Wall Street Journal)
| 09/23/2025 |
10/30/2025 |
|
|---|---|---|
| 13 Week U.S. Treasury Bill | 3.860% | 3.73% |
| 26 Week U.S. Treasury Bill | 3.705% | 3.63% |
| Federal Funds Target Rate | 4.00% | 3.75% |
| Federal Reserve Discount Rate | 4.25% | 4.00% |
| Prime Rate | 7.25% |
7.00% |
Effective July 21, 2010 FDIC deposit insurance permanently raised to $250,000 per depositor.
Ohio Homebuyer Plus Program
| Balance | Minimum Required Opening Deposit | Interest Rate | APY |
|---|---|---|---|
| $100 - $100,000 | $100 | 6.00% | 6.17% |
Statement & Minor Savings Accounts
| Balance | Interest Rate | APY |
|---|---|---|
| $0 - $9,999.99 | 0.05% | 0.05% |
| $10,000 - $24,999.99 | 0.10% | 0.10% |
| $25,000 - $49,999.99 | 0.15% | 0.15% |
| $50,000+ | 0.25% | 0.25% |
Statement Savings Accounts can be opened with $25.00 minimum.
Minor Savings Accounts can be opened with $5.00 minimum.
Super Saver Savings
| Balance | Minimum Required Opening Deposit | Interest Rate | APY |
| $0.01 to $9,999.99 | $25 | 0.05% | 0.05% |
| $10,000 to $24,999.99 | $25 | 0.10% | 0.10% |
| $25,000 to $49,999.99 | $25 | 0.15% | 0.15% |
| $50,000 to $99,999.99 | $25 | 0.25% | 0.25% |
| $100,000 and over | $25 | 3.50% | 3.55% |