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To our customers and clients

The health and safety of our customers and associates is our No. 1 priority. We continue to closely follow the daily developments of the COVID-19 pandemic. During this challenging time for the world, we remain focused on providing our clients with a high level of service and advice. At F&M Bank, we are committed to providing you the financial access, guidance and support you need so you can focus on your well-being and your loved ones. I want to assure you that F&M Bank will do everything in our power to continue to serve our clients— through online and mobile banking, by phone, in our drive-thru and by appointment in branches when necessary. This is a very difficult time for us all. However please rest assured that F&M Bank has been here for our customers through two World Wars, the Great Depression, the Great Recession and many other life-changing events and we stand ready for this challenge as well. 

Stay safe and healthy, 

J. Steven Fisher
Chairman & CEO, F&M Bank and F&M Financial Corporation


Here's how we can help

Answers to your questions about stimulus payments

We know these payments are critical for so many of you. Here's the latest on receiving the payment and accessing the funds through your F&M Bank account.

Small Business assistance

As of April 16, 2020, the Small Business Association (SBA) Paycheck Protection Program (PPP) has reached its limit set by the SBA. Therefore, F&M Bank nor any other lenders are accepting applications for the program at this time.
Please check back to this page to learn if additional funds or a new program to assist small businesses during this unprecedented time become available.

Keeping your information secure

With greater numbers of people online for longer periods of time, cybersecurity has become more important than ever. We have created tips to help you avoid fraud and financial loss while using electronics.

Stay connected 24/7

Whether online or on a mobile device, much of your banking business can be done remotely, which is particularly important during this time of social distancing.


We are open to serve you

F&M Bank is open for business. The Financial Services Industry is considered an essential business and therefore our offices will remain open and are exempt throughout the duration of the 'stay at home' order. Restricting our offices is an extraordinary step, but we are in an extraordinary situation. We believe this is the best way for us to continue providing you essential services while taking maximum precautions against the spread of the disease.
  • Drive-thru: Based on the guidance of the CDC, the NC Commissioner of Banks, our Federal and State government and the well-being of the communities we serve, F&M Bank is DRIVE-THRU only.
    Find a location
  • Appointment: Sometimes you just need to sit down face-to-face with someone to conduct your business. If you need to schedule an essential meeting like a loan closing, account opening, access your safe deposit box or other service, simply call your favorite branch or your Personal Banker. 
    Locations & phone numbers
  • Call Us: As always, we are committed to answer the phone when our customers call. Simply contact your favorite branch or your Personal Banker. Visit our locations to find the phone number of an office near you or call 704.633.1772.
  • Health and safety measures: The wellbeing of our customers, employees and communities is always F&M Bank’s top priority. In light of recent news about the coronavirus (COVID-19), we want to share our readiness plans to safeguard your personal and financial safety.