Treehouse Savings Club

The key to a strong financial future is starting good money management habits early. That’s why we offer our Treehouse Savings Club to our youngest savers. More than just a free savings account, Treehouse Savings Club is a fun and rewarding way for all school-aged children to start their financial journey on the right foot. 

Benefits of Treehouse Savings Club

We know that a little encouragement goes a long way in establishing lifelong habits. At F&M Bank we offer a combination of perks and benefits designed to get your child excited about savings, promote regular deposits, and amplify each dollar saved.

Special Perks to Keep Your Saver Motivated

When your child opens an account through our Treehouse Savings Club, they’ll receive:

A piggy bank to encourage saving at home. 
A passbook to keep records of their account. 
A prize for every 5 deposits made.*

Features of Treehouse Savings Club Accounts

Our custodial children’s account offers:

A premium interest rate with competitive returns.
Low opening deposit of only $5.
A balance of independence and oversight. This custodial account for minors allows parent/guardian joint owners to easily monitor your child’s progress right from your online portal and mobile banking.
Seamless transition. This custodial account for minors automatically converts to a Premium Savings Account after age 18 as your child reaches the next stage in their financial journey.

Join the Treehouse Savings Club

It’s never too early to start saving at F&M Bank! We are proud to offer a free and simple-to-use kids savings account to our youngest customers in Shenandoah through our Treehouse Savings Club Program.

To open a Treehouse Savings Club account, visit any of our bank branches with your child and two forms of identification, which can include a birth certificate, a social security card, or a photo ID. A minimum $5.00 deposit is required, and we’ll take care of the rest. Start your child on their savings path today!

 *Limit one prize per month per customer account. 

About Our Children’s Online Privacy

The Children’s Online Privacy Protection Act (COPPA) was passed to give parents increased control over what information is collected from their children online and how such information is used. The law applies to websites and services directed to, and which knowingly collect information from, children under the age of 13. Farmers & Merchants Bank’s websites and online services are not directed to children under the age of 13, nor is information knowingly collected from them. For additional information on COPPA protections, link to the Federal Trade Commission’s website at www.ftc.gov/privacy/privacyinitiatives/childrens. For further information, the Federal Government has created a Web site, Kidz Privacy, aimed at educating both parents and children about the dangers of the Internet and how to browse safely.