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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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F&M Bank lets you freeze and unfreeze your debit card any time you wish with our user-friendly mobile app! In just seconds, you can control whether or not your card is activated for use.

~ Freeze your card to prevent activity on the account.
~ Unfreeze your card when you're ready to make purchases or withdrawals.

It's the quick, easy way to boost your debit card's security.

Click here to learn more, including how to freeze and unfreeze your debit card.