Your benefits are awarded based on a total combined deposit balance of $75,000 or a combined deposit and loan balance of $100,000. A personal checking account is required and accounts must be maintained in good standing.

* Not valid on CD specials or promotions.
** Additional VISA fees may apply. Ask us for details.
*** Upon approval of bank underwriting standards.
**** Securities offered through Raymond James Financial Services, Inc. Member FINRA/SIPC, and are: • Not deposits • Not insured by the FDIC or any other government agency • Not guaranteed by the bank • Subject to risk and may lose value
F&M Bank and F&M Investment Services are independent of Raymond James