Commercial Real Estate Loans

F&M can create a tailored loan specifically for your situation. We offer a number of commercial real estate loan programs including, bridge, construction, term loans and lines of credit.

P2P Payments

F&M Bank’s Person-to-Person (P2P) Payments2 allow you to send money quickly and securely to your friends and family. Login to your F&M Online and Mobile Banking or simply click on the “Send Money” option to get started.

Find out more about our person-to-person payments and mobile features.

Business Checking

F&M Bank knows the importance of having options for your business. With three different Business Checking accounts that are as unique as your business, we’re sure to have an account that fits your needs.


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Our Digital Tools Make Things Easy, Secure, and Convenient

Learn more about Biometric Login

Fingerprint & Facial ID

Learn more about Card Alerts1

Giving extra piece of mind.

Learn more about Mobile Check Deposit1

Save time. Deposit money.


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  • 1F&M Bank does not charge for this service, however, your wireless carrier may charge you fees related to this service.
  • 2Only available to clients with a personal debit card and a personal online banking profile. Terms, Conditions and Limitations apply.