Personal and Business Banking
- Checking and Savings Accounts
- Money Markets, CDs, and IRAs
- Youth Accounts
- F&M Credit Cards
- Home Loans & Refinance
- Personal Online and Mobile Banking
- Business Online and Mobile Banking with ACH, Wires and More
- Merchant Services
- Business Deposit Solutions
Commercial Lending
- Commercial Real Estate
- Commercial Property Purchase and Refinance
- Construction Loans
- Commercial Line of Credit
- Small Business Loans
- Owner-occupied and Investment
- Retail, Industrial, and Mixed-use
- Non-profit and Houses of Worship
- No prepayment penalties
- No-point options available
- Competitive Rates and Terms
- On-site decision making for fast answers
