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F&M Trust deposit products

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PERSONAL SAVINGS

Savings made simple

Everyone’s financial journey is different, which is why we tailor our solutions to fit your unique needs. Whether you’re building an emergency fund, saving for a major milestone, or simply looking to make your money work harder, we meet you where you are.
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BUILD A STRONG SAVINGS FOUNDATION

Investor Savings Account

An F&M Trust Investor Savings Account is a simple savings account designed to help you grow your money with ease. Enjoy straightforward saving with easy access to your funds whenever you need them. 

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Earn Interest

The simplest way to make the most of your savings by building monthly interest.

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ATM Access

A dedicated ATM card for convenient, secure access to your funds when you need them.

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Online & Mobile Access

Access your account anytime, anywhere through online banking or the mobile banking app.

PREPARE TODAY FOR TOMORROW'S HEALTH NEEDS

Health Savings Account

Our Health Savings Account (HSA) can offset a high-deductible health plan, so you’re always ready for tomorrow's medical expenses.

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HSA Debit Card

A dedicated debit card for convenient and secure access to your HSA funds.

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ATM Access

Withdraw from your HSA funds to make healthcare purchases.

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Online & Mobile Access

Access your HSA anytime, anywhere through online banking or the mobile banking app.

NEVER TOO EARLY TO SAVE

Young Savers Account

Teach the value of saving to your children and teens, with no minimum balance or monthly service fee with an F&M Trust Young Savers Account.

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No Minimums

Learn the ropes of savings without the pressure of a minimum balance or service fees.

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Earn Interest

The simplest way to make the most of your savings by building monthly interest.

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ATM Access

Unlimited deposits and withdrawals at any F&M Trust Community Office or ATM.

STRATEGIC SAVINGS

Club Account

Deposit as much as you want, earn a higher rate, and stay focused on your goals. With just two withdrawals allowed each year, your savings stay right where they belong - working for you.
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No Minimums

Contribute to your savings goals without the pressure of a minimum balance or service fee.

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Earn Interest

The simplest way to make the most of your savings by building monthly interest.

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Flexible Disbursement

Schedule your funds to automatically disburse annually or semi-annually.

Invest In Your Longterm Goals

Explore longer term savings options designed to maximize your money and help you achieve your larger goals.

Money Management Account

Discover the versatility of a Money Management Account, where your savings can earn higher interest rates and remain easily accessible whenever you need them.

Benefit from convenient features like check-writing, online account management, and the reassurance that your money is secure. Grow your funds with confidence and enjoy immediate access by combining smart savings with everyday flexibility.

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Certificates of Deposit (CDs)

A secure and reliable way to grow your savings with guaranteed returns and save for your future with confidence. 

With maturity periods from 30 days to five years, choose from a variety of terms to fit your financial goals, and enjoy the peace of mind that comes from rock-solid security and competitive interest rates.

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Individual Retirement Account (IRA)

Plan for a secure retirement with flexible IRA options that fit your life's goals.

With valuable tax benefits, choose between a Traditional or Roth IRA to suit your needs, and enjoy the peace of mind that comes with FDIC insurance and competitive interest rates. Start building your retirement savings today and take charge of your financial future with confidence.

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EDUCATION SAVINGS

Build a Brighter Future

Start planning for you or a loved one's future education.

Our flexible educational savings solutions make it easy to save for tuition, books, and other educational expenses, ensuring you’re prepared for every step of the journey.

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Personal Banking Tools

Benefits With Every Account

Every account comes with a wide range of financial tools so you can manage your money effortlessly and focus on what matters most to you.

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    Bill Pay

    Manage and pay bills securely in one place.

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    Personal Finance

    A digital tool that empowers you to take control of your finances.

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    Credit Score

    Get instant credit score insights and ongoing monitoring.

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    Zelle

    Send money securely within minutes.

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    Scorecard® Rewards

    Earn rewards on everyday spending.

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    Card Controls

    Control your cards instantly, wherever you are.

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    Mobile Banking

    24/7 access to your finances at your fingertips.

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    Online Banking

    Manage your finances anytime, anywhere.

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F&M Trust Mobile App

The freedom to manage your money your way, right at your fingertips.

Download on the Apple App Store Get it on Google Play Store
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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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Money Moves

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

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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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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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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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Saving and investing tips for veterans

Community Savings Retirement
Here are some tips from the U.S. Department of Veterans Affairs on saving and investing to help you for your current and future financial needs
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Preparing to rent your first apartment

Community Savings Starting a Family Buying a Home
After months of searching, you finally found the job that’s perfect for you. But it’s outside of the area where you currently live, so you will have to move. Preparing to rent your first apartment can be an exciting – yet daunting – process
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When it’s time to manage your parents’ finances

Community Retirement Savings
Taking over the management of your parents’ finances is a significant responsibility and can be both emotionally and practically challenging. Here are some tips that will help you approach the task with care, organization, and sensitivity
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The importance of special needs trusts

Community Savings Starting a Family Retirement
If you have a family member living with a disability, a special needs trust is a critical estate planning tool. A special needs trust can provide financial security, preserve eligibility for vital benefits, and offer peace of mind to families
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It’s never too early to save for the holidays

Savings Community Starting a Family
Considering that money can already be tight, here are some ways that you can make the holidays more financially manageable
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How to set SMART financial goals

Savings Community
It is one thing to say that you want to own a yacht one day or be a millionaire, but those aspirations are only dreams without a solid plan. Setting goals keeps you on track and gives you a solid understanding of what you’ve accomplished and what you still need to work toward
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Why it’s important to invest financially early in your career

Savings Community College Starting a Family
Making financial investments in the early years of your career is one of the most prudent decisions you can make to secure long-term financial stability and wealth accumulation. Early financial investments provide a crucial advantage in building a robust financial future and achieving your long-term goals
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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
Drive-Up
Walk-Up

Open Now

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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

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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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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

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

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Wealth Management

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

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Frequently Asked Questions

Contact F&M Trust

Yes, up to $250,000. For more information about temporary FDIC insurance coverage of transaction accounts, visit www.fdic.gov.

To set up Direct Deposit, simply provide your payroll office with the following information:

  1. F&M Trust, PO Box 6010, Chambersburg, PA 17201
  2. The bank's Routing & Transit
  3. Your Account Number
  4. Indicate Savings or Checking
  5. Or stop by one of our community office locations for assistance

If you receive government funds (i.e. Social Security, SSI), you can stop by one of our convenient office locations and one of our employees would be happy to complete the paperwork for you.