F&M Bank exists today to allow clients to live out their person and professional dreams. Secondly, to provide team members with a living to raise their families and live out their best versions of themselves. Lastly, to make a larger impact in our communities collectively versus individually. Although we are a relatively small community bank, we can meet virtually any banking need. We have the flexibility to customize our products and services to meet the needs of our clients. We offer: Deposit Products: Checking, Savings, Money Market, Certificates of Deposit Loan Products: Commercial, Ag and Consumer Loans, Credit Cards Services: Online Banking, Bill Pay, E-Statements, Cash Management, Remote Deposit Trust Services: 401(k), Keogh’s, Simplified Employment Pensions, Traditional/Roth/Educational IRAs, Health Savings Accounts, Personal Trust Services, Agencies & Conservatorships and Estates