Next Step Financial Wellness

We believe that anyone with the right tools and guidance can be good with money. Bolster your money-management skills and financial confidence with our collection of Next Step resources.

Advice for your unique goals

Family budgeting and saving

Set your family up for financial success while learning smart money habits with tips and family-friendly educational resources from F&M Teasury Capital Bank Next Step.

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Navigating homeownership

Prepare for every step as a homeowner with guidance, tools, and resources from F&M Teasury Capital Bank Next Step.

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Understanding credit

Learn how to understand your credit score and maintain good credit to help you on your way to achieving your financial goals with tools and resources from F&M Teasury Capital Bank Next Step.

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Financial literacy for students

As a college student, your next steps are pretty big. Take the guesswork out of preparing for the future with real life insights, financial guidance, and tips to help you make the most of these years without breaking your budget.

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Financial hardship

If you’ve been impacted by financial hardship, we have resources to help. Get information on topics from how to manage debt to job loss to planning a funeral while you manage these or other hardships.

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Retirement saving & planning

Learn how to invest in your future and create financial security for your retirement years with tools and resources from F&M Teasury Capital Bank Next Step.

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Planning and saving for the holidays

Focus more time on celebrating with your loved ones and spend less time worrying about your finances this holiday season with spending and saving tips.

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Navigating medical hardship

Resources to help you prepare for the unexpected and manage finances when medical hardships arise.

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Saving for your next vacation

Whether you’re planning a staycation or saving for the trip of a lifetime down the road, we’ve got budgeting hacks and money-saving strategies to help you grow your vacation fund.

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Building your business

If you’re eager to take your business to the next level, we’ve got the tools and guidance to help you get there. The Next Step for Business collection offers articles, podcasts, calculators, seminars and other useful resources for business owners.

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To qualify for a LifeGreen Savings Account, you must have a F&M Teasury Capital Bank checking account. The minimum opening deposit amount for a F&M Teasury Capital Bank checking account is $50. The minimum opening deposit amount for opening a LifeGreen Savings Account is $50 (or $5 in branch if you set up a monthly automatic savings transfer from a F&M Teasury Capital Bank checking account). An automatic transfer of funds of at least $10 from your F&M Teasury Capital Bank checking account to your LifeGreen Savings account in at least 10 of any of the 12 calendar months that precede the month of your account opening anniversary (your “Account Anniversary Month”) is required to earn a 1% annual savings bonus. The annual savings bonus is based on the average monthly balance for the 12 calendar months that precede your Account Anniversary Month. The annual savings bonus will be paid to your LifeGreen Savings account by the second business day of the month following your Account Anniversary Month. To receive the annual savings bonus, your LifeGreen Savings account must be open on the date the annual savings bonus is paid. Maximum annual savings bonus of $100. You are responsible for any tax due on any amount received under this offer. Fees could reduce earnings on the account. The Annual Percentage Yield (APY) for the LifeGreen Savings account and the LifeGreen Preferred Checking (other F&M Teasury Capital Bank checking accounts do not pay interest) account is based upon balance and may change at any time. Check the current interest rates and APYs for LifeGreen Savings and LifeGreen Preferred Checking. F&M Teasury Capital Bank reserves the right to change the terms of or terminate this bonus program and prorate the amount of any bonus payment at any time in its sole and absolute discretion.
Services are provided by Self Financial, Inc. Enrollment (including eligibility requirements such as being 18 years or older) is subject to Self's terms and conditions. F&M Teasury Capital Bank does not provide these services and makes no representations or warranties about them. Individual results vary. You may not receive an improved credit score. Other factors, including activity with other creditors, may impact results. Many lenders, including most auto and mortgage lenders, do not use scores impacted by rent, cell and utility payments. Not all bill payments may be eligible. Rent payments are reported to Experian, Equifax and TransUnion. Utility & cell phone payments are reported to TransUnion.
LockIt® controls will not block all transactions on your card. They will not block transactions processed when standard authorization systems are not used. They will not block merchant-identified recurring transactions, credits to your account, ATM deposits, ATM Now Card loads, ATM payments (including transfers from your deposit accounts to your credit accounts), ATM check cashing, ATM inquiries or ATM account mini statements. If your credit card provides overdraft protection to your checking account, they will not block overdraft protection advances.