F&M Trust is committed to providing modern innovation, better safeguards, and the personalized service that sets us apart as a locally owned, independent community bank.
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Banking Done Your Way®
It's more than a tagline; it's our commitment to meeting the needs of customers and providing flexible access to how, where, and when you choose to do your banking. Whether you’re a stay-at-home parent, a CFO or a business owner who’s always on-the-go, F&M Trust has the financial services and tools to make your money work for you.
Mobile Banking
In today's fast-paced world, you need access to your money wherever you are and whenever you need it. That’s why our mobile banking app puts everyday banking at your fingertips. View statements, balances and recent transactions, transfer funds between accounts, make deposits and pay bills — all from your device.
Your bank in the palm of your hand
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Community Offices
Find your nearest F&M Trust community office or ATM.
Better Banking Starts Here
Whether you prefer to bank at one of our community offices or from the palm of your hand, F&M Trust has the products and services you need to manage, protect, and grow your money. From personal checking to wealth management services and all of your banking needs in between, F&M Trust has the solution.
Digital Solutions
Our digital solutions will save you time and money and are personalized to fit your individual needs.
Checking Accounts
Every account is designed so you can manage your money effortlessly and focus on what matters most to you.
Savings Accounts
Explore savings options designed to maximize your money and help achieve your larger goals.
Borrowing Solutions
Discover our borrowing solutions, offering mortgages, home equity loans, and flexible credit options.
Wealth Management
Everyone deserves strategic, world‑class guidance delivered from our team of in‑house experts.
Commercial Services
Beyond banking, we partner with you and your business to build a personalized financial strategy for a stronger future.
Financial Resources
Explore our comprehensive collection of resources designed to achieve your goals at any stage of life.
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Ready to Help
As a trusted local community bank, we’re committed to serving our neighbors. Our local financial pros live in the communities we serve and care about your success, delivering personalized service and knowledgeable support every step of the way.
Money Lessons, For All of Life’s Chapters
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Courses
Courses use real-life scenarios to demonstrate the power of good financial planning. For kids, teens, and young adults, these courses teach basic and advanced financial concepts.
Collections
Collections span a wide array of financial themes, offering expert guidance to help you manage everything from daily expenses to long-term investments with ease and assurance.
Articles
Discover a diverse range of topics in our Articles, designed to guide you through key financial decisions. Learn about health insurance, borrowing money, and underrated products to strengthen your financial strategy.
Calculators
Planning for your future doesn't have to be overwhelming. With our financial Calculators, you can explore your options and reach your goals with confidence.
Coaches
It's impossible to predict a car breaking down or losing a job, but it's absolutely possible to prepare for the financial blow. Emergencies happen, make sure you're prepared.
Money Moves
Dive into the latest money matters, broken down by your friendly F&M Trust financial pros.
Big Game Stock Market Forecast LX
Once again, it’s time to roll out the much-anticipated Super Bowl Stock Market Forecast.
Who Should You Name as Your Power of Attorney—and When?
It is important to select a trusted and reliable POA that fits your needs and makes things easier when you need it the most...
What Is a Power of Attorney—and Why It Matters
A Power of Attorney (POA) is a legal document that allows you to appoint someone—called an agent or attorney-in-fact—to act on your behalf...
A Guide for First Time Homebuyers
Here are a few tips to help you feel confident and prepared as you start your homebuying journey
Teaching Children to Save: 4 Simple Ways to Build Smart Money Habits Early
It’s never too early to teach your child the value of money. Kids may not have bills or budgets yet, but developing smart saving habits at a young age lays a strong foundation for confident, capable financial decision making later in life
How to Improve Your Credit Score: Simple Steps to Success
Your credit score plays a significant role in your overall financial health
Understanding Debt Consolidation
Debt can be overwhelming, but debt consolidation offers a solution by merging multiple debts into a single loan with more manageable monthly payments
The Importance of Financial Planning: Set Yourself up for Success
Financial planning is more than just budgeting and saving; it is about creating a roadmap to guide you through life’s financial decisions
Big Game Stock Market Forecast
It is time to roll out the much-anticipated Super Bowl Stock Market Forecast
Reducing Monthly Expenses
The new year presents a perfect opportunity to reevaluate your financial habits and work towards minimizing unnecessary expenses. By recognizing and eliminating detrimental spending patterns, you can free up valuable funds to redirect towards savings or debt reduction