Banking Solutions From People You Trust.

Life is busy and so are you, that's why at F&M Bank, we make it easy to bank on your time. We have options to fit into anyone's schedule. Whether your preference is to conduct your business in person, or online, we have you covered with:

  • FREE Mobile App1
  • FREE Online Banking
  • FREE Online and Mobile Bill Pay1
  • PopMoney® (Person to Person Payments)2
  • FREE Telephone Banking
  • 24 Hour Access ATMs at our Main Branch and North Branch
  • Access to Surcharge FREE ATMs across the nation3
  • FREE Debit Alerts and Debit On/Off Options

Have questions about any of the above listed services, give our banking team a call at 608-372-2126 or send us an email.

1 Per your SMS provider, message and data fees may apply.
2 Transactions initiated through Popmoney are assessed a $0.75/transaction fee
3 Surcharge Free ATMs available through the STAR Network.
Middle age hispanic business couple over isolated background celebrating surprised and amazed for success with arms raised and open eyes. Winner concept.
The Checking Account that gives you more!
EARN 2.70% APY*
On balances up to $10,000
Earn 0.10% APY*
On balances over $10,000
Plus, Up to $20 per month in Domestic ATM Refunds!*
With our PremierPlu$ Checking, you earn more and can enjoy other convenient, easy, and fun services:
  • FREE Online Banking
  • FREE Bill Pay
  • FREE Mobile App1
  • FREE Mobile Deposit1
  • FREE Account Alerts
  • FREE Visa Debit Card
  • FREE Telephone Banking
  • FREE & Secure eStatements
  • Popmoney® (Person to Person Payments)2

*To earn interest, account holder must: Have 15 posted and cleared debit card transactions each month, be enrolled in e- statements, have 2 posted and cleared ACH transactions within a statement cycle, and be enrolled in and log into online banking once monthly. Minimum balance to open this account is $100. 00. When your checking requirements are met during a qualification cycle. Checking balances from $0 to $10,000 will receive an interest rate of 2.70%. The Annual Percentage Yield (APY) for this tier will be 2.70%. An interest rate of 0.10% will be paid only on the portion of your daily balance which is greater than $10,000. The APY for this tier will range from 0.36% to 2.70% depending on the balance in the account. If you do not meet transaction requirements during each statement cycle, the interest rate on the entire balance in your account will be 0.03% with an APY of 0.03% and you will not receive ATM refunds. If qualifications are not met for 3 consecutive statement cycles, your account will be changed to a SimpleStyle Checking. Effective date 11.01.18. Rate is variable and subject to change at any time. Fees may reduce earnings. One PremierPlu$ account per Tax ID Number. A paper statement fee of $3.00 will be assessed if account is not enrolled in eStatements. 1 Per your data provider SMS, message and data fees may apply. 2 Transactions initiated through Popmoney are assessed a $0.75/transaction fee. 
F&M is passionate about serving our communities! 
Go Tomah Banner
F&M Bank Annual Field Goal Kicking Contest
As part of our Annual Tailgate Party, F&M Bank held our 2nd Annual Field Goal Kicking Contest at the October 12th THS Football Game. O ur two contestant were chosen at random by entering at our Tailgate Party. Joe Protz (above left) and Chris Van Alstine (above right) showed up in the freezing cold to attempt a 35 yard field goal. Though neither kick was successful, they both did a great job! Thank you Joe and Chris for being this year's kickers!
Taste of Tomah and Member Showcase
We had a great time at the October Taste of Tomah and Member Showcase hosted by the Tomah Chamber and Visitors Center. We handed out delicious treats from the  The Baker's Table, had a drawing for a Free office lunch party from  Jimmy John's  and some other goodies!
Freedom Honor Flight
This year's 22nd Annual Freedom Honor Flight was on September 22nd. These flights to Washington DC allow our brave Veterans to visit the memorials that stand in their honor.
Our President and CEO Pete Reichardt volunteered to be a guardian for the 3rd year in a row. They flew out early Saturday morning, had a wonderful time exploring, and returned late Saturday evening.
This is a wonderful organization that creates a once in a lifetime experience for those that served our country. This year F&M Bank donated $2,000 that was able to cover the cost of 4 veterans to attend. If you are interested in donating or volunteering, visit

Sharing Financial Wisdom With Your Kids

Parents often try to impart their values about money to help their children establish a strong financial foundation. If you are a parent, talking to your kids about money can help them learn how to be financially responsible, self-supporting adults. To get the discussion flowing, consider using these conversation starters depending on your child's age.

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
$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
Dear F & M Bank Business Owner,

Throughout my 26+ years working with businesses, I have found one thing to be constant: successful business owners are always learning. Whether it is networking with others in the industry, taking courses, or reading books and magazines, staying current and expanding horizons is important in fast changing times. To that end, I thought I would share an article from Inc Magazine on the “5 books to inspire small business leaders” with you. Whether you are an “audio book in the car or at the gym” person like me or a hardcover book at home reader like many I know, you will find ideas and inspiration in these books. Click here to enjoy!


Bob Hoepfner