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PERSONAL BANKING
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Personal Banking Solutions
At F&M Trust, we take your money personally. Banking shouldn't be stressful or one-size-fits-all. You deserve personalized solutions that fit your needs and make you feel confident about your financial future.
Banking
No matter your financial needs, get the right banking solutions for you.
From just the basics, to money saving and interest earning options, all of our accounts include access to a suite of convenience services so you can get Banking Done Your Way® almost anywhere, anytime.
Borrowing
Personalized borrowing solutions for all your short- and long-term goals.
From buying a car, making home improvements, to consolidating debt, our local lending experts offer fast and easy loans to make it possible with you as priority from start to finish.
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Discover Better Banking
Explore a variety of solutions that save you time and money, making your everyday banking easier and more accessible.
FINANCIAL CALCULATORS
Plan Ahead on Your Terms
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.
Community Offices
Find your nearest F&M Trust community office or ATM.
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
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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.
EXPLORE MORE BANKING SERVICES
Personalized Solutions for a Better Financial Future
Everyone deserves to experience better banking to improve their financial wellbeing. Expand your world with banking services and solutions that save you time and money, are personalized to fit your individual needs, and go deeper than just a transaction.
Discover what Banking Done Your Way® means to you today.
Checking
Checking solutions designed to fit your needs for a better banking experience.
Savings
Savings made simple to achieve your short-term and long-term goals.
Debit Cards
Easy access to your money with rewards on everyday purchases.
Credit Cards
Choosing the right credit card for your needs is easier than ever.
Mortgages
Feel at home with the right mortgage for you and your family.
Home Equities
Put the equity in your home to good use with quick-access funds for flexible borrowing.
Lines of Credit
Access funds on your terms when you need it the most.
Wealth Management
Plan for your future at any stage with trusted advice and tailored solutions.