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F&M Trust deposit products

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COMMERCIAL OVERVIEW

Your partner in business

At F&M Trust, we go beyond banking. Our team of financial experts works closely with you to understand your goals, challenges, and opportunities - building a personalized strategy that lays a strong foundation for your financial future.

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Business Accounts

Get the business checking solutions you need, plus the insights to make them work harder for you. And when your business generates excess cash, we help you put it to work. Our accounts are tailored to your goals, offering competitive rates and flexible access.

Business Checking and Savings Solutions

From business checking to money market accounts, we’ve got a variety of products to meet the needs of your business.

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Commercial Financing

Helping businesses grow through a variety of commercial financing options with flexible rates and terms.

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Commercial Treasury Services

Our treasury services can help your business put your cash to work more efficiently.

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Employee Benefit Services

Increase your company’s competitive edge in today’s job market with a variety of employee benefit services including retirement plans.

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Strength And Stability You Can Trust

$1.4 Billion

in brokerage & trust assets under management

$51.08

stock price as of March 31, 2026

Over $930,000

donated to our community in 2025

$2.2 Billion

in assets

NASDAQ: FRAF

stock trading on the Nasdaq Stock Market

About F&M Trust
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Ready to Help

As a trusted local community bank, we’re committed to serving our neighbors. Our local financial pros live in the communities we serve and care about your success, delivering personalized service and knowledgeable support every step of the way.

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RELATED FEATURES AND SERVICES

Powering Your Business

Secure the right financing, streamline operations with treasury solutions for your business, offer attractive employee benefit programs, and benefit from the expertise of our dedicated
Commercial Services Team.

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Commercial Services

F&M Trust offers specialized expertise, working closely to understand
your needs to build a secure financial footing for your future.

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Commercial Banking

Business checking and savings designed to keep your business moving.

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Commercial Borrowing

Fuel your growth and streamline operations with flexible business credit options.

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Treasury Services

The F&M Trust Treasury Services empower businesses
to optimize cash flow through strategic tools and expert guidance.

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Employee Benefit Services

Employees want to work for companies that invest in their future. Offering a competitive retirement plan not only strengthens your benefits package but also shows your commitment to long-term employee well-being.

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