Banking Solutions From People You Trust.


EARN 2.29% APY 1
19 Months
$5,000 Minimum Opening Balance
EARN 2.37% APY 2
39 Months
$10,000 Minimum Opening Balance

Earn more on your funds, with our limited-time Certificate of Deposit Specials.

We have options for you. Choose between a 19 month or 39 month term. Our CDs are perfect for individual savers and businesses.

Set up an appointment with a Banker today!

1 Annual percentage yield effective 11/8/2018, subject to change. Requires $5,000 minimum to open — at least $5,000 of the total deposit must be new money not currently on deposit with F&M Bank. Available to consumer, commercial, and IRA accounts. Interest is compounded and credited annually. This CD automatically renews into a 24-month term. Early withdrawal penalty is 12 months interest and may reduce principal.
2 Annual percentage yield effective 11/8/2018, subject to change. Requires $10,000 minimum to open — at least $10,000 of the total deposit must be new money not currently on deposit with F&M Bank. Available to consumer, commercial, and IRA accounts. Interest is compounded and credited annually. This CD automatically renews into a 36-month term. Early withdrawal penalty is 12 months interest and may reduce principal.
F&M Bank Offices will be closing at Noon on December 24th and will be closed all day on December 25th and on January 1st.

Happy Holidays to you and yours!
winter holidays, friendship and people concept - happy friends in santa hats and ski suits outdoors showing thumbs up gesture over christmas lights background
Give Them The Perfect Holiday Gift - A Visa Gift Card From F&M Bank
Simplify your shopping with a one size fits all Visa Gift Card from F&M Bank. Load up to $500 on each card or as little as $10. Visa Gift Cards are safer than cash, can be replaced if lost or stolen, and can be used anywhere Visa is accepted. Gift card recipients can even register their card online to view balance information and recent transactions.
Stop in and see one of our Customer Service Reps to get yours today!
Make Your 2019 Business Plans a Reality with Leasing From F&M Bank.

If you have big plans for your business in 2019, we have the options for you. With F&M Bank leasing, get the equipment you need at the place you trust.

Lease Options:
  • 100% financing available
  • No down payment required
  • New or used equipment
  • Variable payment for seasonal customers
  • Fixed rate for the lease term
  • Most leases can be structured to meet tax objectives

Commonly Leased Equipment
  • Agriculture
  • Technology
  • Commercial Vehicles
  • Construction
  • Manufacturing
  • Medical and Laboratory
  • Municipal and Schools
  • Restaurant and Hospitality
  • And many others...just ask!

If your business is looking to expand or make a large purchase, leasing may be the option for you! Click to find out more and to get started.
F&M is passionate about serving our communities! 
Annual Giving Trees
Once again, F&M Bank has our Hat and Mitten Trees up in our North Branch and Main lobbies. Donate new or gently used hats, mittens, scarves, and gloves by 12/28/18 and we will donate them to youth in our community. This year we are also excited to display the Boys and Girls Club Angel Giving Tree at our Main Office. Pick an angel with a child's wish off the tree and drop off the requested gift to the Club by December 13th. Give back and spread some Holiday cheer!
Pies, Pies, Pies for Tomah Area Cancer Support
On November 16th, we hosted our Annual  Tomah Area Cancer Support  (T.A.C.S.) Pie Sale. Pictured below are employees of F&M Bank presenting the T.A.C.S. group with a $250 donation. In addition to our donation, we sold over 140 pies donated by various volunteers, staff, and the Tomah High School DECA Club. The sale helped to raise over $1,400, which will help provide monetary support for local area cancer patients.
Thank you to all who donated and purchased pies. We look forward to next year! 
Wine Into Water
This year F&M Bank sponsored the 'Cash Cube' at the 2018 Wine Into Water event. Three lucky winners were chosen at random to enter the Cash Cube and grab as much money as they could in 1 1/2 minutes. F&M Bank is a proud supporter of the Wine Into Water mission to provide clean drinking water to those in need. Thank you to all that came out and supported such a great cause!
2018 Tomah Holiday Parade
Once again F&M Bank had a fabulous time at the Tomah Holiday Parade. This year we had the honor of pulling the Santa Float, along with throwing out candy to all that came out to enjoy the festive event.
Monroe County Disaster Relief Efforts
We are overwhelmed and humbled by the amazing response to our Monroe County Disaster Relief efforts. On November 12th, 2018, we presented the Great Rivers United Way with a check for $9,165.25!! (Pictured below) These funds were the total deposited into our Monroe County Disaster Relief Account. With numerous individual donors, a $1000 donation from Mill Haven Foods, and a $1,500 donation from F&M Bank, the total donated surpassed our initial goal and we are more than thankful.

With the help of the Great Rivers United Way and the Long Term Recovery Group Region 1, these funds will be distributed to Monroe County. Those affected by flooding in Monroe County need to first register online at  or in person at a Disaster Recovery Center by December 17th, 2018 to receive funding from FEMA and SBA. Once individuals have applied to FEMA and SBA, they can then email the Long Term Recovery group at to receive additional funding, including the money raised by F&M Bank.

From all of us at F&M Bank, we thank everyone that donated and spread the word about this account. We are so thankful and honored to live and work in such an amazing community. Click here more information and the full press.

Single, Divorced or Widowed? 
Here are Tips for Managing 
Your Finances as You Get Older 

Forty-one percent, or approximately 19.5 million Americans, age 65 and older are single, according to the most recent data available from the U.S. Census Bureau. 1 This means a significant number of people are entering or preparing for retirement with a relationship status of single, divorced or widowed. If you are a part of this group – whether it is your choice or the result of unexpected circumstances – read on for tips on how to transition smoothly into retirement.  

Not Federally insured. No financial institution guarantee; may lose value. Ameriprise Financial and the financial institution are not affiliated. Rick Carlson, CFP ® , APMA ® , MBA ,  CERTIFIED FINANCIAL PLANNER™ Professional and Martha Klatt, MS, APMA ® are Financial Advisors with Carlson Advisors, A financial advisory practice of Ameriprise Financial Services, Inc. in Tomah, WI. They specialize in fee-based financial planning and asset management strategies and has been in practice for 21 years to contact them , , 608-372-9444, 1500 N. Superior Ave. Ste 2, Tomah WI, 54660. 
Investment advisory products and services are made available through Ameriprise Financial Services, Inc., a registered investment adviser.  
Ameriprise Financial Services, Inc. Member FINRA and SIPC.
© 2018 Ameriprise Financial, Inc. All rights reserved.           
Financial Advisor
Financial Advisor
Managing Partner
A Special, Limited Time Offer For Our Loyal Customers - Apply by December 31st!
$300 Off Closing Costs*
Apply for your new mortgage or refinance and receive $300 off your closing costs.
Convenience, Savings, and Flexibility All Under One Roof.

*Offer good on applications received by 12/31/2018. Valid on new mortgage loans not currently with F&M Bank. Subject to credit approval. Some restrictions apply. Offer subject to change at any time. One coupon per customer loan. NMLS ID#433987
Bob Hoepfner
SVP/Chief Lending Officer
F & M Bank

“Be thankful for what you have; you’ll end up having more . If you concentrate on what you don’t have, you will never, ever have enough.” —Oprah Winfrey
Dear F & M Bank Business Owner,

As I enter my fifth decade of life and fourth in business, I realize more and more the truth of the words “Thank You”. I don’t believe I say it enough - To my team, my family and friends, and to my customers.

I’d like to take a moment to say “Thank You” for giving us the chance to help you make your dreams come true! As a small token of my thanks, I would like to provide you with some “unique, inexpensive” ideas for you to thank your customers. To top it off, you do not have to buy expensive gifts to express your gratitude, check out the ideas here. Enjoy!


Bob Hoepfner
Congratulations to our Packer Bundle Winners!
From October 1st - November 16th, F&M Bank had a contest for 2 Packer Bundles. Each bundle included 2 tickets to the December 2nd game in Green Bay, along with Packer gear and F&M Bank swag. Individuals could enter the contest via in person entry form, on Facebook, or by using their debit card - 1 entry for every 20 debit card transactions. Out of thousands of entries, yes we mean thousands, our 2 winners were named! Congratulations to Dave (left) and to Sarah and Marshall (right). We hope you had a great time at the game!
From our families to yours,
Happy Holidays From F&M Bank!