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Mobile App

The F&M Bank & Trust Mobile App is a free download for all clients. You can access your accounts, view balances, transaction history, transfer funds, activiate or replace credit/debit cards and locate ATM's. 


Mobile Banking

With F&M Mobile Banking, you can access your accounts and do your everyday banking on your mobile device. It's convenient, secure and lets you take control of where, how and when you bank. Enrollment is free, and there is no charge from F&M to use this service.  However, Message and Data rates may apply.

There are three ways available that you can choose, feel free to pick one or all of them, itís up to you!

Smart Phone App Mobile Web Banking Text Banking
  • View real-time account balances
  • View Transaction history
  • Transfer Funds Between Accounts
  • Turn On/Off Credit/Debit Cards
  • Touch Screen Login
  • Locate a nearby ATM
  • Receive text account alerts
  • View real-time account balances
  • View Transaction history
  • Transfer Funds Between Accounts
  • Locate a nearby ATM
  • Receive text account alerts
  • View real-time account balances
  • View recent transaction history
  • Receive text account alerts


Online Banking

F&M Online Banking gives you freedom to bank anywhere, at anytime.  As long as you have access to the internet this safe and secure way of banking gives you access to your accounts 24-7.  Enroll for Online Banking today.


E-Statements are a great way to reduce clutter, increase your financial security, and help the environment. By enrolling in F&M Bank & Trust E-Statements you gain the ability to view your savings and checking account statements anytime. F&M Bank & Trust E-Statements are FREE and SECURE.

As a recipient of F&M Bank & Trust E-Statements you get

  • Reminders when your E-Statements are ready for viewing
  • Your statements faster
  • Less mail
  • Secure access to records 24 hours a day
  • More financial security
  • The ability to combine all of your savings and checking statements into one convenient document
  • Review statements for up to 12 months

To begin receiving E-statements, log on to your internet banking account or apply online

Online Bill Pay

F&M Bill Pay is designed to make your life easier.  You will quickly discover F&M Bill Pay to be the fastest and most convenient method to pay all your bills.  You can access the service anytime, day or night, from your F&M Internet Banking account.  This product is great for the beginner or intermediate users that have a lot of bills to pay and are too busy to be burdened with old-fashioned check writing.

  • Free
  • Add unlimited amount of payees to your bill pay account
  • No limit to the number of bills you can pay per month
  • Schedule, change or stop single or recurring payments
  • View payment history
  • All payees are verified before the first payment is made
  • 24/7 access, extended hours with Customer Service and CHAT available

To get started you must be an enrolled internet banking client to start.  Enroll now or contact a Client Service Representative for assistance. 


We have made it easy for you to access your accounts any time by using your telephone. F&M Bank & Trust telebanking lets you access account information and transfer funds between accounts from your phone. In the time it takes to call a friend, you can inquire about any of your accounts. Best of all, this convenient service is FREE!  Just call the Voice Information Center at 1-866-235-3124, follow the prompt and begin.  The first time you log on your pass code is the last 4 digits of the primary account holders Social Security number.

Check Re-Order

Reordering your checks has never been easier! You can now place your reorder conveniently online. This service is available provided there are no changes made to your personal information. Please call the bank if you need to make any changes to your personal information (name or address).  Visit to see current check designs, place your reorder, or check the status of your order. 

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