F&M customers who are 50 or better and maintain a $1,000 minimum daily balance may enjoy the Chairman's Club benefits with no monthly maintenance fees.

As a club member, you earn monthly interest on your checking account. Plus you get free club checks enclosed in a handsome Chairman's Club cover.

Other benefits:

• Travel Club members take day trips to area attractions, plus extended trips and worldwide cruises.
• Group activities, including Big Band parties, Senior Fairs and information programs.
• Higher rates on Certificates of Deposit.
• No fee for the initial issuance of your F&M automatic teller card.
• Automatic qualification for Impact® Check Card.
• Discount on safe deposit boxes.
• No annual fee for Visa® or Mastercard®.
• Free issuance of cashier's checks and traveler’s checks.
• Free notary services.
• No fees for will reviews, estate planning and financial planning.
• Quarterly club newsletter.
• Interest is accrued daily and paid monthly, subject to change without notice.

Chairman’s Club Fees

Maintenance Fee
No fee if a $1,000.00 daily balance is maintained; $10.00 fee if balance falls below $1,000 during statement cycle.    

For more information about the Chairman’s Club, e-mail chairmansclub@fandmbank.com.