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Welcome to F&M Bank!


For over 100 years, F&M Bank has been helping our customers manage their money and set financial planning goals for a strong future. Now with locations in both Rowan and Cabarrus counties as well as innovative personalized services, your hometown bank is leading the way in showing new generations how easy it is to be cash positive, financially sound and forward saving. Whether you are new to F&M Bank or a long-time customer, you will always enjoy the friendly and personal customer service we offer every day at your community bank. Online and mobile banking may be some of the new accessories, but no matter how times change, we believe solid financial responsibility should never go out of style. 

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Important Changes For ATM Deposits


If you make ATM deposits, it is important that you understand the availability of your funds. Effective May 2, 2016, up to and including $200 from your ATM deposit will be available for immediate access. We have lowered the amount of immediate availability as a result of a significant increase in ATM deposit fraud here at F&M Bank and throughout the banking industry.

Please note that in some cases longer delays may apply in accordance with the F&M Funds Availability Policy. For further information contact any F&M Bank branch.                




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