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PERSONAL BANKING

Better banking for every day

From everyday transactions to long‑term goals, F&M Trust delivers thoughtful solutions and dedicated service built exclusively for you.
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Personal Banking Solutions

At F&M Trust, we take your money personally. Banking shouldn't be stressful or one-size-fits-all. You deserve personalized solutions that fit your needs and make you feel confident about your financial future.

Banking

No matter your financial needs, get the right banking solutions for you.

From just the basics, to money saving and interest earning options, all of our accounts include access to a suite of convenience services so you can get Banking Done Your Way® almost anywhere, anytime.

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Borrowing

Personalized borrowing solutions for all your short- and long-term goals.

From buying a car, making home improvements, to consolidating debt, our local lending experts offer fast and easy loans to make it possible with you as priority from start to finish.

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Download the app today

Experience the convenience of digital banking at your fingertips.

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Discover Better Banking

Explore a variety of solutions that save you time and money, making your everyday banking easier and more accessible.

Checking

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

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Savings

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

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Debit Cards

Easy access to your money with rewards on everyday purchases.

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Credit Cards

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

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Mortgages

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

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Home Equities

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

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Lines of Credit

Flexible funds for when you need it the most.

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Digital Banking Tools

Built-in smart tools to save you time and money.

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Checking

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

Get Started

Savings

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

Get Started

Debit Cards

Easy access to your money with rewards on everyday purchases.

Get Started

Credit Cards

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

Get Started

Mortgages

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

Get Started

Home Equities

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

Get Started

Lines of Credit

Flexible funds for when you need it the most.

Get Started

Digital Banking Tools

Built-in smart tools to save you time and money.

Get Started
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FINANCIAL CALCULATORS

Plan Ahead on Your Terms

Planning for your future doesn't have to be overwhelming. With our financial calculators, you can explore your options and reach your goals with confidence.

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Community Offices

Find your nearest F&M Trust community office or ATM.

F&M Trust Office

Linglestown Office

4765 Linglestown Road
Harrisburg, PA 17112
Phone: (717) 510-7333
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Money Moves

Dive into the latest money matters, broken down by your friendly F&M Trust financial pros.

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Big Game Stock Market Forecast LX

Community
Once again, it’s time to roll out the much-anticipated Super Bowl Stock Market Forecast.
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elderly couple signing paperwork

Who Should You Name as Your Power of Attorney—and When?

Community Retirement Starting a Family
It is important to select a trusted and reliable POA that fits your needs and makes things easier when you need it the most...
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older adult couple signing Power of Attorney paperwork

What Is a Power of Attorney—and Why It Matters

Community Retirement Starting a Family
A Power of Attorney (POA) is a legal document that allows you to appoint someone—called an agent or attorney-in-fact—to act on your behalf...
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young couple moving boxes into new home

A Guide for First Time Homebuyers

Community Buying a Home Starting a Family
Here are a few tips to help you feel confident and prepared as you start your homebuying journey
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parents with young daughter holding a jar full of money

Teaching Children to Save: 4 Simple Ways to Build Smart Money Habits Early

Community Savings Starting a Family
It’s never too early to teach your child the value of money. Kids may not have bills or budgets yet, but developing smart saving habits at a young age lays a strong foundation for confident, capable financial decision making later in life
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person reviewing financials

How to Improve Your Credit Score: Simple Steps to Success

Community Buying a Home
Your credit score plays a significant role in your overall financial health
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husband and wife reviewing financials

Understanding Debt Consolidation

Community
Debt can be overwhelming, but debt consolidation offers a solution by merging multiple debts into a single loan with more manageable monthly payments
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The Importance of Financial Planning: Set Yourself up for Success

Savings Community Retirement Starting a Family Buying a Home
Financial planning is more than just budgeting and saving; it is about creating a roadmap to guide you through life’s financial decisions
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man raising arms in celebration while looking at many monitors of stocks

Big Game Stock Market Forecast

Community
It is time to roll out the much-anticipated Super Bowl Stock Market Forecast
Learn More
fireworks going off in a nighttime sky

Reducing Monthly Expenses

Community Savings
The new year presents a perfect opportunity to reevaluate your financial habits and work towards minimizing unnecessary expenses. By recognizing and eliminating detrimental spending patterns, you can free up valuable funds to redirect towards savings or debt reduction
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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

Money Lessons,
For All of Life’s Chapters

Get Your Personalized Plan
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Courses

Courses use real-life scenarios to demonstrate the power of good financial planning. For kids, teens, and young adults, these courses teach basic and advanced financial concepts.

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Collections

Collections span a wide array of financial themes, offering expert guidance to help you manage everything from daily expenses to long-term investments with ease and assurance.

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Articles

Discover a diverse range of topics in our Articles, designed to guide you through key financial decisions. Learn about health insurance, borrowing money, and underrated products to strengthen your financial strategy.

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Calculators

Planning for your future doesn't have to be overwhelming. With our financial Calculators, you can explore your options and reach your goals with confidence.

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Coaches

It's impossible to predict a car breaking down or losing a job, but it's absolutely possible to prepare for the financial blow. Emergencies happen, make sure you're prepared.

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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.

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Checking

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

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Savings

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

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Man handing waiter his credit card after a meal

Debit Cards

Easy access to your money with rewards on everyday purchases.

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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.

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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.

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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.

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