Skip to content

F&M Trust deposit products

Man and woman using a computer

PERSONAL BANKING TOOLS

Smart tools
for smarter banking

A variety of tools and services to help you get the most of out of your account and elevate your banking.

Contact F&M Trust

Find a location near you

Benefits That Go Beyond Your Account

Banking Done Your Way® is more than a transactional experience. We provide financial tools and services to elevate your financial habits for a better financial future.

digital-wallet Icon

Mobile Banking

Bank on your schedule with our Mobile Banking app. Check balances, view transactions, transfer funds, pay bills, and deposit checks anytime, anywhere with Mobile Xpress Deposit.
deposit Icon

Online Banking

Access your accounts anytime, anywhere through our website. View and manage your loan and deposit accounts, transfer funds, place stop payments, reorder checks, and more - all with just a few clicks.
circle-life-icons Icon

Bill Pay

Pay your bills quickly and securely with Online Bill Pay. Skip the checks and stamps - pay all your bills in one place through F&M Trust’s secure online banking system, on your schedule.
hands-giving-money Icon

Zelle

Zelle® is a fast, safe, and easy way to send and receive money in minutes - right from the F&M Trust mobile app. Send money to friends, family, and others you trust using just an email address or U.S. mobile number, no matter where they bank.
bullseye Icon

Personal Finance

Track spending, monitor cash flow, set goals, and gain insights that help you make informed financial decisions. Whether you’re managing day‑to‑day expenses or planning for the future, this tool gives you the clarity and confidence to stay on track.
money-balance Icon

Credit Score

Credit Score from F&M Trust that helps you stay on top of your credit. Get access to your latest credit score and report, see what factors impact your score, and explore offers that may help lower your interest costs - all in one convenient place.
hand-money-bag Icon

Scorecard® Rewards

The ScoreCard® debit card rewards program is available for all personal checking account holders. Simply use your debit card for signature-based transactions and you automatically earn 1 point for every $3 spent!

cards Icon

Card Controls

Card Controls helps you stay organized by giving you a clear view of your payments and allowing you to conveniently manage them. Whether you’re paying monthly bills or tracking recurring charges, everything is accessible with just a few clicks.
Smiling man with a papers in hand on phone

REACH OUT TO GET STARTED

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.

Contact F&M Trust Meet Our Team

EXPLORE MORE BANKING SERVICES

Personalized Solutions for a Better Financial Future

Everyone deserves to experience better banking to improve their financial wellbeing. Expand your world with banking services and solutions that save you time and money, are personalized to fit your individual needs, and go deeper than just a transaction.

Discover what Banking Done Your Way® means to you today.

Smiling woman using her cell phone

Checking

Checking solutions designed to fit your needs for a better banking experience.

Explore
Family running on a beach holding hands

Savings

Savings made simple to achieve your short-term and long-term goals.

Explore
Man handing waiter his credit card after a meal

Debit Cards

Easy access to your money with rewards on everyday purchases.

Explore
Man paying for meal with Card

Credit Cards

Choosing the right credit card for your needs is easier than ever.

Explore
Couple embracing aside a house for sale sign

Mortgages

Feel at home with the right mortgage for you and your family.

Explore
Man paying for meal with Card

Home Equities

Put the equity in your home to good use with quick-access funds for flexible borrowing.

Explore
Kitchen, couple and discussion with laptop for budget, track expenses and planning for financial goals

Lines of Credit

Access funds on your terms when you need it the most.

Explore
Beautiful happy mature couple is using a digital tablet, talking and smiling at home

Wealth Management

Plan for your future at any stage with trusted advice and tailored solutions.

Explore

Mobile Banking

To enroll in Mobile Banking, you must be enrolled in Online Banking. Once enrolled in Online Banking, simply download the App or enroll via the mobile web platform (depending on the device you are using).

Apps are available for Android and iPhone. You can get the App in the Android Market (for Android) or the App Store (for iPhone).

Our Mobile Banking App is free, but your wireless carrier's data and message rates and applicable charges may still apply.

Just like our Online Banking, we use the same 128-bit encryption to help keep your information safe and secure. F&M Trust's Mobile Banking App does not store any personal or account information on your mobile device.

With F&M Trust's Mobile Banking you can access your account balances, view and search transaction history, move money between your F&M Trust accounts, and pay bills.

The Mobile Banking App is currently only available for Android and iPhone. However, you can access Mobile Banking from any web-enabled mobile device such as Blackberry, iPad and iPod Touch via the mobile web platform.

Yes, Mobile Xpress Deposit allows you to deposit checks using the Mobile Banking App. Mobile Xpress Deposit is a free service available for iPhone and Android Mobile Banking users.