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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 Message

We are currently experiencing intermittent debit card PIN recognition issues.  
Please select "signature" (credit) instead of "debit" at the time of your transaction
to avoid any interruption of use.  We apologize for any inconvenience.  
Thank you for your patience as we work to resolve this matter.