F&M Bank and Trust Company
Banking Services
For more than 15 years, UPAL members, their employees and families have received full-service banking benefits through The F&M Bank & Trust Company from a comprehensive banking package designed and priced specially for UPAL. The services include:
- Deposit Accounts
- Practice Checking
- Practice Money Market
- Personal Checking
- Personal Money Market
- NOW Accounts
- Certificates of Deposits
- Custodial IRA's
- Annuities
- ATM Cards
- Investor Money Fund Saving Accounts
- Lockbox Account Processing
- Cash Management Services
- Payroll Processing
- Courier Service (for daily transporting of deposits, etc.)
- Safe Deposit Box
- Credit Cards
- Bankcard Processing
- Credit Products
- Line of Credit
- Business Loans
- Malpractice Premium Financing Program
- Personal Loans
- First Mortgages
- Home Equity Loans
- Consumer Loans
- Overdraft Protection
- Letters of Credit
UPAL members receive many benefits from using The F&M Bank & Trust Company such as:
- Two business and two personal accounts for only $5 per month
- Free business and personal checks from UPAL check stock or substantial discounts off current pricing for standard checks
- Competitive interest rates on a variety of commercial loans
- Interest rate discount on consumer loans when payment is on automatic debit
- Higher-yielding interest differentials on investment products
- Discounted electronic banking services for commercial accounts
- Discounted VISA/MC merchant accounts
- No monthly fee ATM banking
- Reduced origination fee for residential home loans
Please contact Stephen R. Pattison, Executive Vice President at 748-4273 for further information.