The F & M State Bank offers a broad spectrum of financial services.
For home, business, education, and retirement - contact F & M State Bank!

Regular Checking
No fees when a balance of $300 is maintained or have direct deposit; no service charge for students!

NOW Checking
Minimum initial deposit $1000; no fees when a balance of $500 is maintained in statement cycle. 

Business Checking
$5 per month maintenance fee; $0.12 per check written.  All charges are analyzed and offset with an Earnings Credit based upon balance per statement cycle.

Statement Savings
Statement issued and interest paid quarterly; no fee when a balance of $100 is maintained.

MMDA Savings
During any calendar month, you may not make more than six withdrawals or transfers to another account of yours or to a third party by means of a preauthorized or automatic transfer or telephone order or instruction, or by check, draft, debit card, or similar order to a third party.  If you exceed these transfer limitations, your account may be subject to closure or reclassification by F & M State Bank.

Traditional IRA
Roth IRA
Coverdell ESA
1-Year - minimum $1,000 3-Month - minimum $1,000
2-Year - minimum $1,000
3-Year - minimum $1,000
4-Year - minimum $1,000 5-Year - minimum $1,000
Agricultural Loans
Commercial Loans
Consumer Loans
Real Estate Loans

  F & M State Bank - NMLS ID # 1163247
  Charlie Christensen - NMLS ID # 1164507
  Ed Fett - NMLS ID # 1164509
  Brian Reis - NMLS ID # 1164516

SHAZAM MasterCards from F & M State Bank are available for use with your checking account.  For added security, please use your personal identification (PIN) number whenever possible.  We also recommend using SHAZAM BOLT$ - download in your app store!

Visa cards are available with attractive rates.  Register your card online to view transactions, pay online, and much more!  Visit

Our safe deposit boxes give you a safe and secure place to store all your valuables and important papers.

Free notary service is available at both our locations.

We offer wire services for electronically sending or receiving funds.  Please call us today for wiring instructions.  Fees apply for outgoing wires.

F & M State Bank generates image statements for your accounts at the end of each month.  We also offer secure electronic statements, sent via e-mail - call us today to enroll!

Employers - save check writing - let us do your payroll electronically!  Payroll is automatically cleared immediately through your account for easy reconciliation.  Fees apply - contact us for more information.

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