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Freedom Card

Golden Opportunity Club

GO ClubThe F&M Trust Golden Opportunity Club (GO Club) is an exclusive social and travel club for customers age 50 and better. It's not just an account, it's a lifestyle Club that offers extra discounts on banking services along with great travel and social opportunities -- all personally planned and hosted by GO Club’s director Kay Estep.

Click here to view a list of upcoming GO Club Events
Click here to download the most recent GO Club Newsletter 

Plus, members have their choice of feature-packed GO Club checking account packages:

Golden Opportunity Club Checking

If you're age 50 or better, take advantage of higher interest rates, free services, and added value from the Golden Opportunity Club.

Account features:
  • No monthly service charge when you maintain a $2500 average daily checking account balance
  • Earn interest on balances over $1,000
  • Unlimited check writing privileges
  • Check images returned with your statement
  • Free GO Club checks
  • Free online banking
  • Free telephone banking
  • Free access to F&M Trust ATMs using your
  • Freedom Card (Debit MasterCard)
  • Free quarterly newsletter
  • GO Club trips and events
  • Free notary service on bank documents by an F&M Trust notary
  • Free personal photocopies (limited)
  • $750 Courtesy Coverage (Overdraft Protection) available

Golden Opportunity Club Relationship Checking

For our customers age 50 and better, the Golden Opportunity Club Relationship Checking offers extra benefits to help save you money while you enjoy social events and group travel.

Account features:

  • No monthly service charge when you maintain $15,000 or more in qualified consumer loans and/or deposit accounts ~
  • Higher rate of interest than GO Club Checking on checking balances over $5,000
  • Unlimited check writing privileges
  • Check images returned with your statement
  • Free GO Club or safety paper checks OR custom design checks at 50% off
  • Free online banking
  • Free unlimited online bill pay transactions
  • Free unlimited transactions at all ATMs^
  • Free telephone banking
  • $1000 Courtesy Coverage (Overdraft Protection) available
  • No fee American Express Traveler’s Cheques (one signature style)
  • Free medallion stamp
  • Free notary service on bank documents by an F&M Trust notary
  • Free personal photocopies (limited)
  • 5% off GO Club trips
  • .25% discount on new direct installment loans^^
  • .25% discount on new Home Equity loans^^
  • .25% discount on Home Equity line of credit ^^
  • .50% discount on Home Equity Select^^
  • $13 discount on your annual safe deposit box rental
Compare the benefits of each F&M Trust senior checking account

Did you know we also offer:

  • Direct Deposit of payroll, retirement and social security checks, and dividend checks
  • Automatic transfers to savings

~ Based upon outstanding balances in Home Equity loans and lines of credit, personal lines of credit, and direct installment loans and/or average daily balances in your designated checking, savings, Money Management, IRA, and certificates of deposit as of the cycle date of your Relationship Checking account.

^ Foreign ATM fee waiver does not include applicable ATM surcharge assessed by ATM owner.

^^ Subject to Credit Approval.
Terms subject to change.

 
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