Welcome to F&M Bank.

Since 1950, we have been serving our customers and communities with market-driven products and services.

Our CONTINUED SUCCESS has been based on…

—Providing exceptional quality service, fostered by teamwork that exceeds our customers’ expectations.

—Offering competitive financial products that are effectively delivered.

—Working diligently in our communities to improve quality of life.




F&M Bank is going strong and committed to the communities we serve. Please take a few moments to view our Personal and Business Products as well as Kids Count Too -- a special area for kids of all ages to have some fun and learn more about money and saving.


Exciting Detail

F&M's Premier Checking is a completely free checking account that pays 3.05% APY* and refunds UNLIMITED nationwide ATM fees - yes, UNLIMITED! To get these Rewards, all you have to do is meet the qualifications below each statement cycle -- simple things you're probably doing already.

  • Earn 3.05% APY* on balances up to $25,000
  • Earn 1.01% APY* on balances over $25,000
  • No monthly service fees
  • Unlimited check writing
  • Free MasterCard™ Debit Card
  • Free Internet Banking
  • Free e-Statements
  • FDIC Insured
If you don't qualify one month, don't worry -- you'll still earn our base rate of 0.50% APY* for that statement cycle.

*APY = Annual Percentage Yield. Rates may change at a later date.


In order to receive our Premier rate and ATM refunds, simply do the following each statement cycle:

  • Make 12 signature-based MasterCard Debit Card transactions
  • Sign in to Internet Banking
  • Access/receive monthly e-statements online (valid email address required)
  • Have at least one Direct Deposit
  • Minimum $250 to open account

It's that easy! Sign up today – and earn a great rate.