Dreaming of Home Ownership in 2018? Get Pre-Qualified Today!*
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At F&M Bank, our goal is to help make your dream of home ownership a reality. We have perfect options for first time homebuyers. Including WHEDA and USDA Rural Development.
Need help with your down payment? F&M Bank has the options to help you. We offer down payment assistance through WHEDA, with WHEDA Easy Close and WHEDA Capital Access.**

Give us a call today to see what options are right for you or:
*Pre-qualification subject to documentation of income, assets, liabilities, and other relevant information, such as property value and title information. All loans subject to credit approval. NMLS ID#433987
 **Certain program restrictions and eligibility requirements apply. For more details, contact an F&M Bank Mortgage Lender today. Visit www.wheda.com for additional information and program requirements.  
From All of Us Here at F&M Bank
We wish you a joyous 2018, filled with happiness, lasting memories, and new adventures.

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Make Sure You're Prepared to Block Fraud
Defend your financial and personal information by staying informed on fraud trends and popular scams. Follow our top 5 tips to stay protected:

  1. Never click on links or images in unsolicited emails that ask you to verify your account, password, information, etc. (Search out the websites directly)
  2. If you get a phone call from someone claiming to be a legitimate business, never give your debit/credit card number, expiration date, and/or CVV code. Hang up and call the business directly.
  3. Make sure your passwords are secure and change them every 6 months. We recommend using a pattern of letters, numbers, and special characters.
  4. Be skeptical about sweepstakes, lottery, or other prize related calls or emails that claim you have won something that you don't recall signing up for.
  5. If anyone asks you to cash a check and wire money back to them, it's a scam.

To stay up to date on national and local scam and fraud trends, click the learn more button below.
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Take The Worry Out of Unexpected Medical Bills in 2018.
With the rising cost of health care, an HSA (Health Savings Account) can offer you peace of mind when dealing with medical bills and the cost of insurance. When paired with your high-deductible health plan, an HSA puts you in charge of your health care spending and savings.

Benefits of a Health Savings Account:
  • Health insurance can cost less
  • Savings to help pay your deductible
  • Peace of mind from unexpected medical bills 

Your HSA Offers A Triple Tax Benefit:*
  • Contributions are made pre-tax
  • Interest earnings on the account are not taxable
  • Taxes are not paid on withdrawn funds, as long as they are used for eligible expenses**

Easily and conveniently access funds through online/mobile transfers, Bill Pay, or our Free HSA Visa Debit Card.

To open yours, contact a banker today!
or Call 877-372-2126

*Consult with a tax advisor. F&M Bank does not provide tax or accounting advise. 
**For a complete list of qualified medical expenses, please visit  www.irs.gov
Food Pantry Donation
Throughout the month of October and November, we held a Facebook drive for the  Neighbor for Neighbor, Inc. Food Pantry. For every post like, F&M Bank was to donate $1.00 to help them purchase a new freezer.
We were so excited to see the great results, with over 500 likes on our original post, it really made an impact. To continue the excitement, we tripled our likes and made a big check presentation to Doug, Executive Director of Neighbor for Neighbor, for $1,500! Thank you to all that liked and shared our post.
Holiday Lights
F&M Bank staffers had a great time volunteering at  Tomah Holiday Lights! Tom, Nicole, and Greg (pictured above) were happy to help collect donations for the  Neighbor for Neighbor, Inc. food pantry. The lights looked amazing!
Delivering Holiday Cheer
During a recent employee meeting, F&M Bank staff got into the Holiday spirit by assembling various cookie platters and delivering them to local service organizations! Kaylee, Karen P, and Jeff (pictured below) delivered their Holiday treats to Handishop Industries, Inc.

COMMUNITY INVOLVEMENT
F&M is passionate about serving our communities! 
Tomah Public Library
In December, F&M Bank presented a $250 check to the  Tomah Public Library to use towards the installation of a wall mounted bottle filler on their upper floor.
F&M Bank also donated a "Family Game Night" Gift Basket for their Christmas Silent Auction & Fundraiser.
2017 Holiday LegacyStyle Trip
Special thanks to LeAnna, Brenda, Carol, and Robin (pictured below) who accompanied our guests on the Holiday Legacy Trip to the Palace Theater in Wisconsin Dells. The bus was packed with 52 guests. Here is what a couple of them had to say:
"We really enjoyed it. Everything was wonderful from the bus trip, prizes, food, and the entertainment. And the girls from F&M Bank! Fantastic!" -Satisfied Legacy Account Holder
"Wonderful trip. The girls from F&M do a great job of organizing the trip and entertaining us on the bus. Thanks for all you do!" -Satisfied Legacy Account Holder
Chasing Daylight Beer and Chili Cook-off
F&M Bank is proud to be a sponsor of the upcoming Craft Beer Tasting and Chili Cook-off fundraiser for Chasing Daylight Animal Shelter. Our staff presented Chasing Daylight with a sponsorship donation, as well as some holiday goodies. The event is scheduled for January 27th, 2018.
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