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F&M Personalized Banking

We know you. You’re buying your first home in that nice neighborhood across town. You’re saving up for what looks like one great retirement. You’re opening that new bakery down the street. (We can’t wait to stop by.) You’re preparing to send your daughter to college–before she’s old enough to know what college is. You’re our neighbor, and at F&M Bank we value that above all else. We are dedicated to being the best bank for personal banking and to providing you with best in personalized banking services. As one of the best banks in NC, we have more than a century of experience in personalized banking. From Power Checking to savings accounts, we offer the best banking services and expert advice. Serving you as the best bank for personal banking is our top priority.


F&M Bank Personalized Banking Options
Checking Accounts We believe that it should be simple to manage your money. F&M Bank offers a diverse lineup of checking accounts, so you can always find one that suits the way you bank. See what our different checking accounts have to offer and choose the one that’s right for you.
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Savings Accounts

Ready to realize your full financial potential? Whether you’re looking for great interest rates, security or simplicity, F&M Bank has it all. Our Savings accounts, money market accounts, CDs, youth savings and more make it easy and smart to save. Open a savings account with F&M Bank today and watch your money grow.
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Additional Services

Sincerity.  Courtesy.  Knowledge.  They may be old-fashioned, but at F&M Bank they're always in style.  For as long as we've been in business, our values haven't changed.  It's always been-and always will be-about giving you the assistance you deserve.

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Loans Learn More
Financial Planning Strategies At F&M Investment Services, our financial consulting process always begins by getting to know our customer. We understand that each investor is different and has a different set of goals. A retiree may need the assurance of dependable income with little risk, while a young family may be looking to save for college.

Our F&M Investment Advisors will work with you to learn where you are financially today and to establish a plan that will help you get to where you want to be tomorrow.
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Education and Advice Learn More