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Tax Season 
Fraud Safety Tips

Tax season is upon us.  During the months of January - May there is typically an increase in attempted IRS type scams.  Usually these types of scams come in the form of phone calls, claiming that you owe back taxes or tax penalties. It is important to be aware of these types of scams and how to protect yourself. 

Per the IRS website, the IRS will never:  1) Call to demand immediate payment, nor will the agency call about taxes owed without first having sent you a bill.  2) Demand that you pay taxes without giving you the opportunity to question or appeal the amount they say you owe. 3) Require you to use only a specific method of payment, such as a pre-paid debit card. 4) Ask for debit or credit card numbers over the phone. 5) Threaten to bring in local police or other law enforcement agencies to arrest you for failing to pay.  

For more information, visit the IRS website:  www.irs.gov/uac/tax-scams-consumer-alerts 
 


F&M Bank Welcomes Joe Kelly Back To Our Team!

Joe joins the F&M Bank team as a Senior Relationship Banker and is ready to help you with your financial needs! 

Joe previously worked at F&M as a Relationship Banker, after a short absence, he is back and excited to once again help new and existing customers.

Joe brings with him over 6 years of financial experience and is passionate about helping his customers.  To set up an appointment with Joe email Joe.Kelly@fmnetbank.com or call 608-374-5502.


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Everyone who saves deserves  a great rate!

At F&M Bank, we believe that everyone who saves deserves a great rate!  To help you maximize your earnings, we are happy to introduce to you The Maximizer CD!

Maximize your savings with a 1.47% APY for 37 months.*  The Maximizer CD is open to consumer, business, and IRA funds. This savings special may not be around long, so contact a Relationship Banker today!



*APY = Annual Percentage Yield, effective 2/1/2017. Rates subject to change. $5,000 minimum to open - at least $5,000 of the deposit must be new money not currently on deposit with F&M bank.  CD will auto renew into a 36 month term. Interest is compounded and credited annually.  Early withdrawal penalty is 12 months interest and my reduce principal.  


Meet your Investment Team!

F&M Bank, as part of our service commitment to our customers, is proud to be partnered with Carlson Advisors, a financial advisory practice of Ameriprise Financial Services, Inc.*


As a valued client, you now have access to an Ameriprise advisor who can help you plan to build a more confident financial future.  

Areas of Expertise:

Financial Planning

Retirement Planning Strategies

Estate Planning

Wealth Preservation Strategies

Insurance

Charitable Giving Strategies

Investments



To learn more contact:

Rick Carlson, Financial Advisor

Martha Klatt, Financial Advisor



Visit their website for more information:  Carlson Advisors

*Not federally insured.  No financial institution guarantee.  May lose value.  Ameriprise financial and the financial institution are not affiliated.  Ameriprise financial and its affiliates do not offer tax or legal advice. Investment advisory products and services are made available through Ameriprise financial Services, Inc, a registered investment advisor.  Ameriprise Financial Services, Inc.  Member FINRA and SIPC.  

608-372-2126

 

Give us a call today!