<urlset xmlns="http://www.sitemaps.org/schemas/sitemap/0.9">
      <url>
      <loc>https://www.fmbnc.com/</loc>
      <lastmod>2026-03-13T15:39:15.878Z</lastmod>
      <changefreq>weekly</changefreq>
    </url><url>
      <loc>https://www.fmbnc.com/zelle</loc>
      <lastmod>2024-02-22T02:08:37.116Z</lastmod>
      <changefreq>weekly</changefreq>
    </url><url>
      <loc>https://www.fmbnc.com/sitemap</loc>
      <lastmod>2023-07-13T14:49:22.700Z</lastmod>
      <changefreq>weekly</changefreq>
    </url><url>
      <loc>https://www.fmbnc.com/policies</loc>
      <lastmod>2023-09-19T20:38:55.065Z</lastmod>
      <changefreq>weekly</changefreq>
    </url><url>
      <loc>https://www.fmbnc.com/ransomware</loc>
      <lastmod>2024-02-22T14:48:23.004Z</lastmod>
      <changefreq>weekly</changefreq>
    </url><url>
      <loc>https://www.fmbnc.com/calculators</loc>
      <lastmod>2023-07-13T14:49:16.496Z</lastmod>
      <changefreq>weekly</changefreq>
    </url><url>
      <loc>https://www.fmbnc.com/elder-abuse</loc>
      <lastmod>2024-02-22T14:00:40.197Z</lastmod>
      <changefreq>weekly</changefreq>
    </url><url>
      <loc>https://www.fmbnc.com/email-safety</loc>
      <lastmod>2024-02-22T14:44:50.327Z</lastmod>
      <changefreq>weekly</changefreq>
    </url><url>
      <loc>https://www.fmbnc.com/faith-office</loc>
      <lastmod>2026-03-23T22:04:51.632Z</lastmod>
      <changefreq>weekly</changefreq>
    </url><url>
      <loc>https://www.fmbnc.com/terms-of-use</loc>
      <lastmod>2023-07-13T14:49:21.671Z</lastmod>
      <changefreq>weekly</changefreq>
    </url><url>
      <loc>https://www.fmbnc.com/spshouldirefi</loc>
      <lastmod>2023-07-13T14:49:21.259Z</lastmod>
      <changefreq>weekly</changefreq>
    </url><url>
      <loc>https://www.fmbnc.com/concord-office</loc>
      <lastmod>2026-03-18T15:55:14.627Z</lastmod>
      <changefreq>weekly</changefreq>
    </url><url>
      <loc>https://www.fmbnc.com/connect/awards</loc>
      <lastmod>2026-01-07T20:56:09.685Z</lastmod>
      <changefreq>weekly</changefreq>
    </url><url>
      <loc>https://www.fmbnc.com/credit-reserve</loc>
      <lastmod>2023-08-12T01:07:48.995Z</lastmod>
      <changefreq>weekly</changefreq>
    </url><url>
      <loc>https://www.fmbnc.com/raleigh-office</loc>
      <lastmod>2026-03-18T16:05:02.417Z</lastmod>
      <changefreq>weekly</changefreq>
    </url><url>
      <loc>https://www.fmbnc.com/routing-number</loc>
      <lastmod>2024-02-22T02:12:32.098Z</lastmod>
      <changefreq>weekly</changefreq>
    </url><url>
      <loc>https://www.fmbnc.com/sprothtransfer</loc>
      <lastmod>2023-07-13T14:49:15.843Z</lastmod>
      <changefreq>weekly</changefreq>
    </url><url>
      <loc>https://www.fmbnc.com/computer-safety</loc>
      <lastmod>2024-02-22T14:44:16.252Z</lastmod>
      <changefreq>weekly</changefreq>
    </url><url>
      <loc>https://www.fmbnc.com/rockwell-office</loc>
      <lastmod>2026-03-24T17:08:41.540Z</lastmod>
      <changefreq>weekly</changefreq>
    </url><url>
      <loc>https://www.fmbnc.com/security-center</loc>
      <lastmod>2025-06-25T21:02:17.161Z</lastmod>
      <changefreq>weekly</changefreq>
    </url><url>
      <loc>https://www.fmbnc.com/spcollegesavings</loc>
      <lastmod>2023-07-13T14:49:15.360Z</lastmod>
      <changefreq>weekly</changefreq>
    </url><url>
      <loc>https://www.fmbnc.com/connect/our-story</loc>
      <lastmod>2024-02-22T14:47:04.918Z</lastmod>
      <changefreq>weekly</changefreq>
    </url><url>
      <loc>https://www.fmbnc.com/contactless-cards</loc>
      <lastmod>2024-02-22T14:16:13.884Z</lastmod>
      <changefreq>weekly</changefreq>
    </url><url>
      <loc>https://www.fmbnc.com/kannapolis-office</loc>
      <lastmod>2026-03-23T22:10:43.052Z</lastmod>
      <changefreq>weekly</changefreq>
    </url><url>
      <loc>https://www.fmbnc.com/north-main-office</loc>
      <lastmod>2026-03-23T22:05:21.124Z</lastmod>
      <changefreq>weekly</changefreq>
    </url><url>
      <loc>https://www.fmbnc.com/activate-your-card</loc>
      <lastmod>2024-02-22T14:05:19.471Z</lastmod>
      <changefreq>weekly</changefreq>
    </url><url>
      <loc>https://www.fmbnc.com/calculator/savings</loc>
      <lastmod>2023-07-13T14:49:18.175Z</lastmod>
      <changefreq>weekly</changefreq>
    </url><url>
      <loc>https://www.fmbnc.com/calculator/tax1040</loc>
      <lastmod>2023-07-13T14:49:18.415Z</lastmod>
      <changefreq>weekly</changefreq>
    </url><url>
      <loc>https://www.fmbnc.com/china-grove-office</loc>
      <lastmod>2026-03-18T16:01:32.188Z</lastmod>
      <changefreq>weekly</changefreq>
    </url><url>
      <loc>https://www.fmbnc.com/connect/contact-us</loc>
      <lastmod>2023-08-02T19:17:12.841Z</lastmod>
      <changefreq>weekly</changefreq>
    </url><url>
      <loc>https://www.fmbnc.com/direct-connect-faq</loc>
      <lastmod>2025-04-24T12:35:02.959Z</lastmod>
      <changefreq>weekly</changefreq>
    </url><url>
      <loc>https://www.fmbnc.com/avalon-drive-office</loc>
      <lastmod>2026-03-23T22:09:46.446Z</lastmod>
      <changefreq>weekly</changefreq>
    </url><url>
      <loc>https://www.fmbnc.com/calculator/hsa-goal</loc>
      <lastmod>2024-02-22T13:48:13.221Z</lastmod>
      <changefreq>weekly</changefreq>
    </url><url>
      <loc>https://www.fmbnc.com/calculator/roth-ira</loc>
      <lastmod>2023-07-13T14:49:18.106Z</lastmod>
      <changefreq>weekly</changefreq>
    </url><url>
      <loc>https://www.fmbnc.com/make-a-loan-payment</loc>
      <lastmod>2024-02-22T02:11:36.835Z</lastmod>
      <changefreq>weekly</changefreq>
    </url><url>
      <loc>https://www.fmbnc.com/penny-phase-out-faq</loc>
      <lastmod>2025-11-18T15:35:46.335Z</lastmod>
      <changefreq>weekly</changefreq>
    </url><url>
      <loc>https://www.fmbnc.com/social-media-safety</loc>
      <lastmod>2024-02-22T14:47:54.520Z</lastmod>
      <changefreq>weekly</changefreq>
    </url><url>
      <loc>https://www.fmbnc.com/apply-for-an-account</loc>
      <lastmod>2024-02-22T01:46:43.435Z</lastmod>
      <changefreq>weekly</changefreq>
    </url><url>
      <loc>https://www.fmbnc.com/calculator/bi-weekly</loc>
      <lastmod>2024-02-22T01:49:04.844Z</lastmod>
      <changefreq>weekly</changefreq>
    </url><url>
      <loc>https://www.fmbnc.com/calculator/cd-ladder</loc>
      <lastmod>2024-02-22T13:58:16.664Z</lastmod>
      <changefreq>weekly</changefreq>
    </url><url>
      <loc>https://www.fmbnc.com/calculator/checkbook</loc>
      <lastmod>2024-02-22T13:54:03.185Z</lastmod>
      <changefreq>weekly</changefreq>
    </url><url>
      <loc>https://www.fmbnc.com/calculator/emergency</loc>
      <lastmod>2024-02-22T13:58:53.812Z</lastmod>
      <changefreq>weekly</changefreq>
    </url><url>
      <loc>https://www.fmbnc.com/calculator/net-worth</loc>
      <lastmod>2023-07-13T14:49:17.833Z</lastmod>
      <changefreq>weekly</changefreq>
    </url><url>
      <loc>https://www.fmbnc.com/calculator/payoff-cc</loc>
      <lastmod>2024-02-22T13:56:07.113Z</lastmod>
      <changefreq>weekly</changefreq>
    </url><url>
      <loc>https://www.fmbnc.com/calculator/sprothira</loc>
      <lastmod>2023-07-13T14:49:16.290Z</lastmod>
      <changefreq>weekly</changefreq>
    </url><url>
      <loc>https://www.fmbnc.com/calculator/spsavings</loc>
      <lastmod>2023-07-13T14:49:14.848Z</lastmod>
      <changefreq>weekly</changefreq>
    </url><url>
      <loc>https://www.fmbnc.com/career-opportunities</loc>
      <lastmod>2026-01-07T20:57:46.337Z</lastmod>
      <changefreq>weekly</changefreq>
    </url><url>
      <loc>https://www.fmbnc.com/calculator/disability</loc>
      <lastmod>2024-02-22T13:53:44.572Z</lastmod>
      <changefreq>weekly</changefreq>
    </url><url>
      <loc>https://www.fmbnc.com/calculator/line-taxes</loc>
      <lastmod>2024-02-22T13:31:56.401Z</lastmod>
      <changefreq>weekly</changefreq>
    </url><url>
      <loc>https://www.fmbnc.com/calculator/spend-less</loc>
      <lastmod>2023-07-13T14:49:18.346Z</lastmod>
      <changefreq>weekly</changefreq>
    </url><url>
      <loc>https://www.fmbnc.com/calculator/tax-ez1040</loc>
      <lastmod>2023-07-13T14:49:18.448Z</lastmod>
      <changefreq>weekly</changefreq>
    </url><url>
      <loc>https://www.fmbnc.com/calculator/tax-margin</loc>
      <lastmod>2024-02-22T13:54:22.376Z</lastmod>
      <changefreq>weekly</changefreq>
    </url><url>
      <loc>https://www.fmbnc.com/educational-resources</loc>
      <lastmod>2026-02-03T03:31:55.160Z</lastmod>
      <changefreq>weekly</changefreq>
    </url><url>
      <loc>https://www.fmbnc.com/calculator/auto-rebate</loc>
      <lastmod>2023-07-13T14:49:16.531Z</lastmod>
      <changefreq>weekly</changefreq>
    </url><url>
      <loc>https://www.fmbnc.com/calculator/consolidate</loc>
      <lastmod>2024-02-22T14:29:47.316Z</lastmod>
      <changefreq>weekly</changefreq>
    </url><url>
      <loc>https://www.fmbnc.com/calculator/credit-line</loc>
      <lastmod>2024-02-22T01:50:21.340Z</lastmod>
      <changefreq>weekly</changefreq>
    </url><url>
      <loc>https://www.fmbnc.com/calculator/debt-amount</loc>
      <lastmod>2024-02-22T01:49:29.192Z</lastmod>
      <changefreq>weekly</changefreq>
    </url><url>
      <loc>https://www.fmbnc.com/calculator/home-budget</loc>
      <lastmod>2023-07-13T14:49:17.318Z</lastmod>
      <changefreq>weekly</changefreq>
    </url><url>
      <loc>https://www.fmbnc.com/calculator/hsa-savings</loc>
      <lastmod>2024-02-22T13:49:03.587Z</lastmod>
      <changefreq>weekly</changefreq>
    </url><url>
      <loc>https://www.fmbnc.com/calculator/lunch-saver</loc>
      <lastmod>2023-07-13T14:49:17.420Z</lastmod>
      <changefreq>weekly</changefreq>
    </url><url>
      <loc>https://www.fmbnc.com/calculator/millionaire</loc>
      <lastmod>2024-02-22T13:56:59.326Z</lastmod>
      <changefreq>weekly</changefreq>
    </url><url>
      <loc>https://www.fmbnc.com/calculator/payoff-line</loc>
      <lastmod>2023-07-13T14:49:17.936Z</lastmod>
      <changefreq>weekly</changefreq>
    </url><url>
      <loc>https://www.fmbnc.com/calculator/regular-ira</loc>
      <lastmod>2023-07-13T14:49:17.970Z</lastmod>
      <changefreq>weekly</changefreq>
    </url><url>
      <loc>https://www.fmbnc.com/calculator/retire-401k</loc>
      <lastmod>2024-02-22T13:35:48.554Z</lastmod>
      <changefreq>weekly</changefreq>
    </url><url>
      <loc>https://www.fmbnc.com/calculator/simple-loan</loc>
      <lastmod>2023-07-13T14:49:18.278Z</lastmod>
      <changefreq>weekly</changefreq>
    </url><url>
      <loc>https://www.fmbnc.com/calculator/spretire72t</loc>
      <lastmod>2023-07-13T14:49:22.632Z</lastmod>
      <changefreq>weekly</changefreq>
    </url><url>
      <loc>https://www.fmbnc.com/calculator/sptaxmargin</loc>
      <lastmod>2023-07-13T14:49:15.912Z</lastmod>
      <changefreq>weekly</changefreq>
    </url><url>
      <loc>https://www.fmbnc.com/connect/news-and-media</loc>
      <lastmod>2025-11-11T17:55:42.310Z</lastmod>
      <changefreq>weekly</changefreq>
    </url><url>
      <loc>https://www.fmbnc.com/nichols-company-review</loc>
      <lastmod>2024-02-22T02:05:41.776Z</lastmod>
      <changefreq>weekly</changefreq>
    </url><url>
      <loc>https://www.fmbnc.com/accessibility-statement</loc>
      <lastmod>2023-07-13T14:49:20.847Z</lastmod>
      <changefreq>weekly</changefreq>
    </url><url>
      <loc>https://www.fmbnc.com/calculator/cert-deposit</loc>
      <lastmod>2024-02-22T01:49:54.654Z</lastmod>
      <changefreq>weekly</changefreq>
    </url><url>
      <loc>https://www.fmbnc.com/calculator/compare-loan</loc>
      <lastmod>2024-02-22T13:25:31.319Z</lastmod>
      <changefreq>weekly</changefreq>
    </url><url>
      <loc>https://www.fmbnc.com/calculator/complex-loan</loc>
      <lastmod>2024-02-22T13:49:20.337Z</lastmod>
      <changefreq>weekly</changefreq>
    </url><url>
      <loc>https://www.fmbnc.com/calculator/mortgage-apr</loc>
      <lastmod>2024-02-22T13:50:40.685Z</lastmod>
      <changefreq>weekly</changefreq>
    </url><url>
      <loc>https://www.fmbnc.com/calculator/spregularira</loc>
      <lastmod>2023-07-13T14:49:22.323Z</lastmod>
      <changefreq>weekly</changefreq>
    </url><url>
      <loc>https://www.fmbnc.com/calculator/spretire401k</loc>
      <lastmod>2023-07-13T14:49:21.876Z</lastmod>
      <changefreq>weekly</changefreq>
    </url><url>
      <loc>https://www.fmbnc.com/calculators-financieras</loc>
      <lastmod>2023-07-13T14:49:21.224Z</lastmod>
      <changefreq>weekly</changefreq>
    </url><url>
      <loc>https://www.fmbnc.com/connect/built-to-belong</loc>
      <lastmod>2025-06-02T20:56:59.303Z</lastmod>
      <changefreq>weekly</changefreq>
    </url><url>
      <loc>https://www.fmbnc.com/educational-resources-2</loc>
      <lastmod>2026-02-03T03:39:12.404Z</lastmod>
      <changefreq>weekly</changefreq>
    </url><url>
      <loc>https://www.fmbnc.com/educational-resources-3</loc>
      <lastmod>2026-02-03T03:51:11.614Z</lastmod>
      <changefreq>weekly</changefreq>
    </url><url>
      <loc>https://www.fmbnc.com/calculator/enhanced-loan</loc>
      <lastmod>2023-07-13T14:49:17.112Z</lastmod>
      <changefreq>weekly</changefreq>
    </url><url>
      <loc>https://www.fmbnc.com/calculator/existing-loan</loc>
      <lastmod>2024-02-22T13:55:51.199Z</lastmod>
      <changefreq>weekly</changefreq>
    </url><url>
      <loc>https://www.fmbnc.com/calculator/mortgage-loan</loc>
      <lastmod>2024-02-22T13:53:01.283Z</lastmod>
      <changefreq>weekly</changefreq>
    </url><url>
      <loc>https://www.fmbnc.com/calculator/roth-transfer</loc>
      <lastmod>2023-07-13T14:49:18.141Z</lastmod>
      <changefreq>weekly</changefreq>
    </url><url>
      <loc>https://www.fmbnc.com/calculator/should-i-refi</loc>
      <lastmod>2024-02-22T13:53:28.295Z</lastmod>
      <changefreq>weekly</changefreq>
    </url><url>
      <loc>https://www.fmbnc.com/calculator/life-insurance</loc>
      <lastmod>2023-07-13T14:49:17.352Z</lastmod>
      <changefreq>weekly</changefreq>
    </url><url>
      <loc>https://www.fmbnc.com/calculator/mortgage-taxes</loc>
      <lastmod>2024-02-22T13:52:11.646Z</lastmod>
      <changefreq>weekly</changefreq>
    </url><url>
      <loc>https://www.fmbnc.com/calculator/spmortgageloan</loc>
      <lastmod>2023-07-13T14:49:22.529Z</lastmod>
      <changefreq>weekly</changefreq>
    </url><url>
      <loc>https://www.fmbnc.com/calculator/college-savings</loc>
      <lastmod>2024-02-22T13:58:38.107Z</lastmod>
      <changefreq>weekly</changefreq>
    </url><url>
      <loc>https://www.fmbnc.com/calculator/mortgage-payoff</loc>
      <lastmod>2024-02-22T13:52:42.231Z</lastmod>
      <changefreq>weekly</changefreq>
    </url><url>
      <loc>https://www.fmbnc.com/calculator/mortgage-points</loc>
      <lastmod>2023-07-13T14:49:17.661Z</lastmod>
      <changefreq>weekly</changefreq>
    </url><url>
      <loc>https://www.fmbnc.com/calculator/payment-options</loc>
      <lastmod>2024-02-22T13:59:13.278Z</lastmod>
      <changefreq>weekly</changefreq>
    </url><url>
      <loc>https://www.fmbnc.com/calculator/retirement-plan</loc>
      <lastmod>2024-02-22T13:54:56.089Z</lastmod>
      <changefreq>weekly</changefreq>
    </url><url>
      <loc>https://www.fmbnc.com/calculator/social-security</loc>
      <lastmod>2023-07-13T14:49:18.312Z</lastmod>
      <changefreq>weekly</changefreq>
    </url><url>
      <loc>https://www.fmbnc.com/calculator/sprothvsregular</loc>
      <lastmod>2023-07-13T14:49:15.498Z</lastmod>
      <changefreq>weekly</changefreq>
    </url><url>
      <loc>https://www.fmbnc.com/community-reinvestment-act</loc>
      <lastmod>2025-03-31T17:36:53.998Z</lastmod>
      <changefreq>weekly</changefreq>
    </url><url>
      <loc>https://www.fmbnc.com/connect/board-of-directors</loc>
      <lastmod>2024-05-13T20:33:27.890Z</lastmod>
      <changefreq>weekly</changefreq>
    </url><url>
      <loc>https://www.fmbnc.com/internet-privacy-statement</loc>
      <lastmod>2023-07-13T14:49:14.882Z</lastmod>
      <changefreq>weekly</changefreq>
    </url><url>
      <loc>https://www.fmbnc.com/your-life/accounts/savings</loc>
      <lastmod>2023-08-02T19:17:16.189Z</lastmod>
      <changefreq>weekly</changefreq>
    </url><url>
      <loc>https://www.fmbnc.com/calculator/compound-savings</loc>
      <lastmod>2024-02-22T13:57:37.263Z</lastmod>
      <changefreq>weekly</changefreq>
    </url><url>
      <loc>https://www.fmbnc.com/calculator/debt-consolidate</loc>
      <lastmod>2024-02-22T13:56:38Z</lastmod>
      <changefreq>weekly</changefreq>
    </url><url>
      <loc>https://www.fmbnc.com/calculator/hsa-contribution</loc>
      <lastmod>2024-02-22T13:48:29.779Z</lastmod>
      <changefreq>weekly</changefreq>
    </url><url>
      <loc>https://www.fmbnc.com/calculator/mortgage-compare</loc>
      <lastmod>2024-02-22T13:27:09.445Z</lastmod>
      <changefreq>weekly</changefreq>
    </url><url>
      <loc>https://www.fmbnc.com/calculator/reverse-mortgage</loc>
      <lastmod>2024-02-22T13:30:49.379Z</lastmod>
      <changefreq>weekly</changefreq>
    </url><url>
      <loc>https://www.fmbnc.com/calculator/spretirementplan</loc>
      <lastmod>2023-07-13T14:49:21.363Z</lastmod>
      <changefreq>weekly</changefreq>
    </url><url>
      <loc>https://www.fmbnc.com/calculator/spsocialsecurity</loc>
      <lastmod>2023-07-13T14:49:15.225Z</lastmod>
      <changefreq>weekly</changefreq>
    </url><url>
      <loc>https://www.fmbnc.com/calculator/student-rolldown</loc>
      <lastmod>2024-02-22T13:54:39.689Z</lastmod>
      <changefreq>weekly</changefreq>
    </url><url>
      <loc>https://www.fmbnc.com/lending/your-life/mortgages</loc>
      <lastmod>2025-04-23T12:10:53.449Z</lastmod>
      <changefreq>weekly</changefreq>
    </url><url>
      <loc>https://www.fmbnc.com/your-life/accounts/checking</loc>
      <lastmod>2026-01-07T18:59:04.235Z</lastmod>
      <changefreq>weekly</changefreq>
    </url><url>
      <loc>https://www.fmbnc.com/advantages-of-business-loans</loc>
      <lastmod>2024-02-22T13:33:37.240Z</lastmod>
      <changefreq>weekly</changefreq>
    </url><url>
      <loc>https://www.fmbnc.com/calculator/compound-interest</loc>
      <lastmod>2024-02-22T13:57:18.718Z</lastmod>
      <changefreq>weekly</changefreq>
    </url><url>
      <loc>https://www.fmbnc.com/calculator/credit-assessment</loc>
      <lastmod>2024-02-22T13:51:31.594Z</lastmod>
      <changefreq>weekly</changefreq>
    </url><url>
      <loc>https://www.fmbnc.com/calculator/savings-variables</loc>
      <lastmod>2024-02-22T13:55:31.979Z</lastmod>
      <changefreq>weekly</changefreq>
    </url><url>
      <loc>https://www.fmbnc.com/calculator/spmortgagecompare</loc>
      <lastmod>2023-07-13T14:49:22.767Z</lastmod>
      <changefreq>weekly</changefreq>
    </url><url>
      <loc>https://www.fmbnc.com/calculator/spretirementplan3</loc>
      <lastmod>2023-07-13T14:49:20.985Z</lastmod>
      <changefreq>weekly</changefreq>
    </url><url>
      <loc>https://www.fmbnc.com/connect/bank-management-team</loc>
      <lastmod>2025-09-04T19:16:46.713Z</lastmod>
      <changefreq>weekly</changefreq>
    </url><url>
      <loc>https://www.fmbnc.com/connect/community-connection</loc>
      <lastmod>2025-11-11T17:53:38.141Z</lastmod>
      <changefreq>weekly</changefreq>
    </url><url>
      <loc>https://www.fmbnc.com/statesville-boulevard-office</loc>
      <lastmod>2026-03-23T22:04:05.257Z</lastmod>
      <changefreq>weekly</changefreq>
    </url><url>
      <loc>https://www.fmbnc.com/your-business/client-reviews</loc>
      <lastmod>2024-10-01T16:34:21.299Z</lastmod>
      <changefreq>weekly</changefreq>
    </url><url>
      <loc>https://www.fmbnc.com/business-loan-with-bad-credit</loc>
      <lastmod>2024-02-22T13:33:57.766Z</lastmod>
      <changefreq>weekly</changefreq>
    </url><url>
      <loc>https://www.fmbnc.com/calculator/hsa-vs-traditional</loc>
      <lastmod>2024-02-22T13:48:44.219Z</lastmod>
      <changefreq>weekly</changefreq>
    </url><url>
      <loc>https://www.fmbnc.com/calculator/mortgage-qualifier</loc>
      <lastmod>2024-02-22T13:30:25.750Z</lastmod>
      <changefreq>weekly</changefreq>
    </url><url>
      <loc>https://www.fmbnc.com/calculator/mortgage-refinance</loc>
      <lastmod>2024-02-22T13:51:56.929Z</lastmod>
      <changefreq>weekly</changefreq>
    </url><url>
      <loc>https://www.fmbnc.com/calculator/spretirementincome</loc>
      <lastmod>2023-07-13T14:49:21.705Z</lastmod>
      <changefreq>weekly</changefreq>
    </url><url>
      <loc>https://www.fmbnc.com/esign-act-consumer-disclosure</loc>
      <lastmod>2023-07-24T18:41:34.442Z</lastmod>
      <changefreq>weekly</changefreq>
    </url><url>
      <loc>https://www.fmbnc.com/investments/meet-our-advisors</loc>
      <lastmod>2023-07-13T14:49:20.027Z</lastmod>
      <changefreq>weekly</changefreq>
    </url><url>
      <loc>https://www.fmbnc.com/security-center/romance-scams</loc>
      <lastmod>2025-02-07T21:53:42.198Z</lastmod>
      <changefreq>weekly</changefreq>
    </url><url>
      <loc>https://www.fmbnc.com/calculator/mortgage-adjustable</loc>
      <lastmod>2024-02-22T13:52:27.142Z</lastmod>
      <changefreq>weekly</changefreq>
    </url><url>
      <loc>https://www.fmbnc.com/calculator/spmortgagequalifier</loc>
      <lastmod>2023-07-13T14:49:22.254Z</lastmod>
      <changefreq>weekly</changefreq>
    </url><url>
      <loc>https://www.fmbnc.com/calculator/spmortgagerentvsbuy</loc>
      <lastmod>2023-07-13T14:49:21.431Z</lastmod>
      <changefreq>weekly</changefreq>
    </url><url>
      <loc>https://www.fmbnc.com/calculator/spretirebeneficiary</loc>
      <lastmod>2023-07-13T14:49:14.548Z</lastmod>
      <changefreq>weekly</changefreq>
    </url><url>
      <loc>https://www.fmbnc.com/connect/nccu-unity-scholarship</loc>
      <lastmod>2024-02-22T13:44:15.273Z</lastmod>
      <changefreq>weekly</changefreq>
    </url><url>
      <loc>https://www.fmbnc.com/investments/education-planning</loc>
      <lastmod>2023-07-13T14:49:19.993Z</lastmod>
      <changefreq>weekly</changefreq>
    </url><url>
      <loc>https://www.fmbnc.com/lending/your-life/credit-cards</loc>
      <lastmod>2025-04-24T12:34:59.461Z</lastmod>
      <changefreq>weekly</changefreq>
    </url><url>
      <loc>https://www.fmbnc.com/your-business/greg-culp-review</loc>
      <lastmod>2024-02-22T02:03:30.172Z</lastmod>
      <changefreq>weekly</changefreq>
    </url><url>
      <loc>https://www.fmbnc.com/7-advantages-of-using-apple-pay</loc>
      <lastmod>2024-02-22T13:36:51.553Z</lastmod>
      <changefreq>weekly</changefreq>
    </url><url>
      <loc>https://www.fmbnc.com/business-loans-why-banks-say-no</loc>
      <lastmod>2024-02-22T13:34:19.752Z</lastmod>
      <changefreq>weekly</changefreq>
    </url><url>
      <loc>https://www.fmbnc.com/calculator/mortgage-rent-vs-buy</loc>
      <lastmod>2024-02-22T13:49:37.500Z</lastmod>
      <changefreq>weekly</changefreq>
    </url><url>
      <loc>https://www.fmbnc.com/check-yourself-for-check-fraud-</loc>
      <lastmod>2025-03-26T14:30:15.330Z</lastmod>
      <changefreq>weekly</changefreq>
    </url><url>
      <loc>https://www.fmbnc.com/connect/locate-an-office-or-atm</loc>
      <lastmod>2025-04-24T12:34:57.115Z</lastmod>
      <changefreq>weekly</changefreq>
    </url><url>
      <loc>https://www.fmbnc.com/investments/retirement-planning</loc>
      <lastmod>2023-07-13T14:49:19.925Z</lastmod>
      <changefreq>weekly</changefreq>
    </url><url>
      <loc>https://www.fmbnc.com/locations/granite-quarry-office</loc>
      <lastmod>2026-03-18T15:56:16.829Z</lastmod>
      <changefreq>weekly</changefreq>
    </url><url>
      <loc>https://www.fmbnc.com/speedway-harley-davidson-review</loc>
      <lastmod>2023-07-13T14:49:22.151Z</lastmod>
      <changefreq>weekly</changefreq>
    </url><url>
      <loc>https://www.fmbnc.com/your-business/accounts/checking</loc>
      <lastmod>2026-01-07T21:04:08.430Z</lastmod>
      <changefreq>weekly</changefreq>
    </url><url>
      <loc>https://www.fmbnc.com/your-life/accounts/core-savings</loc>
      <lastmod>2023-08-02T19:16:57.532Z</lastmod>
      <changefreq>weekly</changefreq>
    </url><url>
      <loc>https://www.fmbnc.com/3-ways-a-debit-card-benefits-you</loc>
      <lastmod>2024-02-22T13:39:17.367Z</lastmod>
      <changefreq>weekly</changefreq>
    </url><url>
      <loc>https://www.fmbnc.com/facts-and-myths-about-home-loans</loc>
      <lastmod>2025-04-23T17:57:28.602Z</lastmod>
      <changefreq>weekly</changefreq>
    </url><url>
      <loc>https://www.fmbnc.com/lending/your-business/term-loans</loc>
      <lastmod>2023-07-13T14:49:19.717Z</lastmod>
      <changefreq>weekly</changefreq>
    </url><url>
      <loc>https://www.fmbnc.com/lending/your-life/personal-loans</loc>
      <lastmod>2024-02-22T14:39:59.793Z</lastmod>
      <changefreq>weekly</changefreq>
    </url><url>
      <loc>https://www.fmbnc.com/your-life/accounts/money-marktet</loc>
      <lastmod>2023-08-02T19:17:15.166Z</lastmod>
      <changefreq>weekly</changefreq>
    </url><url>
      <loc>https://www.fmbnc.com/your-life/accounts/savings-first</loc>
      <lastmod>2024-02-22T13:29:55.154Z</lastmod>
      <changefreq>weekly</changefreq>
    </url><url>
      <loc>https://www.fmbnc.com/security-center/debit-card-safety</loc>
      <lastmod>2024-02-22T14:03:19.585Z</lastmod>
      <changefreq>weekly</changefreq>
    </url><url>
      <loc>https://www.fmbnc.com/your-life/accounts/christmas-club</loc>
      <lastmod>2026-01-07T20:58:35.320Z</lastmod>
      <changefreq>weekly</changefreq>
    </url><url>
      <loc>https://www.fmbnc.com/your-life/accounts/power-checking</loc>
      <lastmod>2023-08-02T19:17:16.634Z</lastmod>
      <changefreq>weekly</changefreq>
    </url><url>
      <loc>https://www.fmbnc.com/fandm-bank-welcomes-crystal-wright</loc>
      <lastmod>2025-03-31T17:56:15.473Z</lastmod>
      <changefreq>weekly</changefreq>
    </url><url>
      <loc>https://www.fmbnc.com/fandm-bank-welcomes-stephen-bowman</loc>
      <lastmod>2024-05-30T19:36:37.852Z</lastmod>
      <changefreq>weekly</changefreq>
    </url><url>
      <loc>https://www.fmbnc.com/lending/your-business/credit-cards</loc>
      <lastmod>2024-02-22T14:06:31.661Z</lastmod>
      <changefreq>weekly</changefreq>
    </url><url>
      <loc>https://www.fmbnc.com/view-our-cybersecurity-forum-video</loc>
      <lastmod>2024-02-22T14:30:29.615Z</lastmod>
      <changefreq>weekly</changefreq>
    </url><url>
      <loc>https://www.fmbnc.com/your-life/accounts/venture-savings</loc>
      <lastmod>2023-08-02T19:17:06.142Z</lastmod>
      <changefreq>weekly</changefreq>
    </url><url>
      <loc>https://www.fmbnc.com/cash-vs-mortgage-whats-best-for-you</loc>
      <lastmod>2025-10-22T15:24:21.482Z</lastmod>
      <changefreq>weekly</changefreq>
    </url><url>
      <loc>https://www.fmbnc.com/fandm-bank-welcomes-lorraine-guidry</loc>
      <lastmod>2024-09-25T15:02:01.820Z</lastmod>
      <changefreq>weekly</changefreq>
    </url><url>
      <loc>https://www.fmbnc.com/mobile-deposit-terms-and-conditions</loc>
      <lastmod>2024-02-22T13:37:53.294Z</lastmod>
      <changefreq>weekly</changefreq>
    </url><url>
      <loc>https://www.fmbnc.com/personal-savings-account-comparison</loc>
      <lastmod>2024-02-22T14:32:00.066Z</lastmod>
      <changefreq>weekly</changefreq>
    </url><url>
      <loc>https://www.fmbnc.com/your-business/resources/travel-tips</loc>
      <lastmod>2024-02-22T14:41:56.311Z</lastmod>
      <changefreq>weekly</changefreq>
    </url><url>
      <loc>https://www.fmbnc.com/business-checking-account-comparison</loc>
      <lastmod>2024-02-22T14:28:50.901Z</lastmod>
      <changefreq>weekly</changefreq>
    </url><url>
      <loc>https://www.fmbnc.com/frequently-asked-questions-about-ics</loc>
      <lastmod>2024-07-02T14:18:46.291Z</lastmod>
      <changefreq>weekly</changefreq>
    </url><url>
      <loc>https://www.fmbnc.com/your-life/bank-on-the-go/atm-banking</loc>
      <lastmod>2023-08-02T19:16:05.001Z</lastmod>
      <changefreq>weekly</changefreq>
    </url><url>
      <loc>https://www.fmbnc.com/your-life/bank-on-the-go/debit-cards</loc>
      <lastmod>2024-07-24T00:37:20.323Z</lastmod>
      <changefreq>weekly</changefreq>
    </url><url>
      <loc>https://www.fmbnc.com/your-life/bank-on-the-go/estatements</loc>
      <lastmod>2024-06-12T21:13:47.541Z</lastmod>
      <changefreq>weekly</changefreq>
    </url><url>
      <loc>https://www.fmbnc.com/your-life/bank-on-the-go/travel-tips</loc>
      <lastmod>2024-02-22T14:41:21.400Z</lastmod>
      <changefreq>weekly</changefreq>
    </url><url>
      <loc>https://www.fmbnc.com/connect/united-way-day-of-caring-2023</loc>
      <lastmod>2024-02-22T13:44:38.504Z</lastmod>
      <changefreq>weekly</changefreq>
    </url><url>
      <loc>https://www.fmbnc.com/connect/united-way-day-of-caring-2025</loc>
      <lastmod>2025-08-27T21:08:39.100Z</lastmod>
      <changefreq>weekly</changefreq>
    </url><url>
      <loc>https://www.fmbnc.com/investments/trust-and-estate-planning</loc>
      <lastmod>2023-07-13T14:49:19.958Z</lastmod>
      <changefreq>weekly</changefreq>
    </url><url>
      <loc>https://www.fmbnc.com/security-center/online-shopping-scams</loc>
      <lastmod>2024-09-10T17:57:36.281Z</lastmod>
      <changefreq>weekly</changefreq>
    </url><url>
      <loc>https://www.fmbnc.com/your-life/accounts/signature-checking</loc>
      <lastmod>2023-08-12T01:07:48.399Z</lastmod>
      <changefreq>weekly</changefreq>
    </url><url>
      <loc>https://www.fmbnc.com/4-key-skill-sets-of-investment-bankers</loc>
      <lastmod>2025-10-22T15:12:47.949Z</lastmod>
      <changefreq>weekly</changefreq>
    </url><url>
      <loc>https://www.fmbnc.com/frequently-asked-questions-about-cdars</loc>
      <lastmod>2024-06-06T22:18:33.284Z</lastmod>
      <changefreq>weekly</changefreq>
    </url><url>
      <loc>https://www.fmbnc.com/investments/what-is-investment-banking</loc>
      <lastmod>2024-02-22T13:33:02.034Z</lastmod>
      <changefreq>weekly</changefreq>
    </url><url>
      <loc>https://www.fmbnc.com/protect-your-business-from-check-fraud</loc>
      <lastmod>2024-02-22T14:02:09.348Z</lastmod>
      <changefreq>weekly</changefreq>
    </url><url>
      <loc>https://www.fmbnc.com/social-security-direct-deposit-changes</loc>
      <lastmod>2025-04-22T16:23:56.381Z</lastmod>
      <changefreq>weekly</changefreq>
    </url><url>
      <loc>https://www.fmbnc.com/your-life/accounts/overdraft-solutions</loc>
      <lastmod>2026-01-07T21:01:47.024Z</lastmod>
      <changefreq>weekly</changefreq>
    </url><url>
      <loc>https://www.fmbnc.com/your-life/accounts/retirement-accounts</loc>
      <lastmod>2024-02-22T13:55:11.012Z</lastmod>
      <changefreq>weekly</changefreq>
    </url><url>
      <loc>https://www.fmbnc.com/your-life/bank-on-the-go/apple-pay-faq</loc>
      <lastmod>2024-02-22T13:36:34.642Z</lastmod>
      <changefreq>weekly</changefreq>
    </url><url>
      <loc>https://www.fmbnc.com/your-life/bank-on-the-go/mobile-wallet</loc>
      <lastmod>2024-02-22T14:33:43.942Z</lastmod>
      <changefreq>weekly</changefreq>
    </url><url>
      <loc>https://www.fmbnc.com/10-tips-scammers-dont-want-you-to-know-</loc>
      <lastmod>2024-02-22T14:02:54.390Z</lastmod>
      <changefreq>weekly</changefreq>
    </url><url>
      <loc>https://www.fmbnc.com/connect/how-to-spot-free-vacation-scams</loc>
      <lastmod>2024-08-19T14:44:17.261Z</lastmod>
      <changefreq>weekly</changefreq>
    </url><url>
      <loc>https://www.fmbnc.com/connect/jersey-city-neighborhood-impact</loc>
      <lastmod>2024-02-22T13:44:59.605Z</lastmod>
      <changefreq>weekly</changefreq>
    </url><url>
      <loc>https://www.fmbnc.com/connect/webuild-concord-home-dedication</loc>
      <lastmod>2024-02-22T13:43:35.654Z</lastmod>
      <changefreq>weekly</changefreq>
    </url><url>
      <loc>https://www.fmbnc.com/lending/your-life/mortgage-lending-team</loc>
      <lastmod>2026-01-07T20:55:22.439Z</lastmod>
      <changefreq>weekly</changefreq>
    </url><url>
      <loc>https://www.fmbnc.com/when-is-an-arm-better-than-a-fixed-rate</loc>
      <lastmod>2025-10-22T15:32:10.387Z</lastmod>
      <changefreq>weekly</changefreq>
    </url><url>
      <loc>https://www.fmbnc.com/your-life/bank-on-the-go/direct-deposit</loc>
      <lastmod>2024-02-22T14:43:23.575Z</lastmod>
      <changefreq>weekly</changefreq>
    </url><url>
      <loc>https://www.fmbnc.com/your-life/bank-on-the-go/google-pay-faq</loc>
      <lastmod>2024-02-22T14:04:26.047Z</lastmod>
      <changefreq>weekly</changefreq>
    </url><url>
      <loc>https://www.fmbnc.com/your-life/bank-on-the-go/mobile-deposit</loc>
      <lastmod>2023-08-12T01:07:27.754Z</lastmod>
      <changefreq>weekly</changefreq>
    </url><url>
      <loc>https://www.fmbnc.com/connect/wings-of-eagles-ranch-fundraiser</loc>
      <lastmod>2024-02-22T13:43:55.222Z</lastmod>
      <changefreq>weekly</changefreq>
    </url><url>
      <loc>https://www.fmbnc.com/lending/your-business/construction-loans</loc>
      <lastmod>2023-08-02T19:16:52.917Z</lastmod>
      <changefreq>weekly</changefreq>
    </url><url>
      <loc>https://www.fmbnc.com/your-business/accounts/business-checking</loc>
      <lastmod>2026-01-07T21:07:30.210Z</lastmod>
      <changefreq>weekly</changefreq>
    </url><url>
      <loc>https://www.fmbnc.com/your-life/accounts/simply-first-checking</loc>
      <lastmod>2026-01-12T17:54:25.736Z</lastmod>
      <changefreq>weekly</changefreq>
    </url><url>
      <loc>https://www.fmbnc.com/your-life/accounts/simply-prime-checking</loc>
      <lastmod>2025-04-24T12:35:01.813Z</lastmod>
      <changefreq>weekly</changefreq>
    </url><url>
      <loc>https://www.fmbnc.com/your-life/accounts/simply-yours-checking</loc>
      <lastmod>2023-08-12T01:07:51.030Z</lastmod>
      <changefreq>weekly</changefreq>
    </url><url>
      <loc>https://www.fmbnc.com/how-to-stop-zelle-scams-before-they-start</loc>
      <lastmod>2023-12-07T14:42:32.487Z</lastmod>
      <changefreq>weekly</changefreq>
    </url><url>
      <loc>https://www.fmbnc.com/locations/jake-alexander-boulevard-office</loc>
      <lastmod>2026-03-24T17:05:48.018Z</lastmod>
      <changefreq>weekly</changefreq>
    </url><url>
      <loc>https://www.fmbnc.com/understanding-home-equity-loans-and-rates</loc>
      <lastmod>2025-04-23T18:06:37.205Z</lastmod>
      <changefreq>weekly</changefreq>
    </url><url>
      <loc>https://www.fmbnc.com/your-business/accounts/business-advantage</loc>
      <lastmod>2023-08-02T19:16:52.402Z</lastmod>
      <changefreq>weekly</changefreq>
    </url><url>
      <loc>https://www.fmbnc.com/your-life/bank-on-the-go/banking-by-phone</loc>
      <lastmod>2026-01-07T21:02:25.159Z</lastmod>
      <changefreq>weekly</changefreq>
    </url><url>
      <loc>https://www.fmbnc.com/your-life/bank-on-the-go/holiday-closings</loc>
      <lastmod>2025-12-30T18:13:36.883Z</lastmod>
      <changefreq>weekly</changefreq>
    </url><url>
      <loc>https://www.fmbnc.com/your-life/bank-on-the-go/touch-id-face-id</loc>
      <lastmod>2023-07-13T14:49:18.791Z</lastmod>
      <changefreq>weekly</changefreq>
    </url><url>
      <loc>https://www.fmbnc.com/how-to-protect-yourself-from-text-phishing</loc>
      <lastmod>2024-02-21T20:53:21.668Z</lastmod>
      <changefreq>weekly</changefreq>
    </url><url>
      <loc>https://www.fmbnc.com/your-business/accounts/commercial-checking</loc>
      <lastmod>2023-07-13T14:49:15.808Z</lastmod>
      <changefreq>weekly</changefreq>
    </url><url>
      <loc>https://www.fmbnc.com/your-business/accounts/non-profit-checking</loc>
      <lastmod>2023-08-02T19:16:58.764Z</lastmod>
      <changefreq>weekly</changefreq>
    </url><url>
      <loc>https://www.fmbnc.com/your-life/accounts/certificates-of-deposit</loc>
      <lastmod>2026-01-07T21:01:07.523Z</lastmod>
      <changefreq>weekly</changefreq>
    </url><url>
      <loc>https://www.fmbnc.com/lending/your-life/meet-your-mortgage-lender</loc>
      <lastmod>2024-02-22T14:42:50.530Z</lastmod>
      <changefreq>weekly</changefreq>
    </url><url>
      <loc>https://www.fmbnc.com/smart-money-moves-how-to-prevent-wire-fraud</loc>
      <lastmod>2024-02-22T14:01:45.239Z</lastmod>
      <changefreq>weekly</changefreq>
    </url><url>
      <loc>https://www.fmbnc.com/startup-business-loans-the-hunt-for-capital</loc>
      <lastmod>2024-02-22T01:52:51.042Z</lastmod>
      <changefreq>weekly</changefreq>
    </url><url>
      <loc>https://www.fmbnc.com/your-business/accounts/ez-business-checking</loc>
      <lastmod>2023-08-02T19:17:00.541Z</lastmod>
      <changefreq>weekly</changefreq>
    </url><url>
      <loc>https://www.fmbnc.com/how-to-keep-your-debit-and-credit-cards-safe</loc>
      <lastmod>2023-10-17T16:56:25.510Z</lastmod>
      <changefreq>weekly</changefreq>
    </url><url>
      <loc>https://www.fmbnc.com/lending/your-business/commercial-real-estate</loc>
      <lastmod>2024-02-22T14:38:29.446Z</lastmod>
      <changefreq>weekly</changefreq>
    </url><url>
      <loc>https://www.fmbnc.com/security-center/ai-and-the-new-face-of-scams</loc>
      <lastmod>2025-10-10T17:16:53.015Z</lastmod>
      <changefreq>weekly</changefreq>
    </url><url>
      <loc>https://www.fmbnc.com/your-life/bank-on-the-go/mastercard-benefits</loc>
      <lastmod>2024-02-22T14:04:07.708Z</lastmod>
      <changefreq>weekly</changefreq>
    </url><url>
      <loc>https://www.fmbnc.com/how-to-identify-and-thwart-impersonator-fraud</loc>
      <lastmod>2024-02-22T14:01:24.674Z</lastmod>
      <changefreq>weekly</changefreq>
    </url><url>
      <loc>https://www.fmbnc.com/igniting-the-joy-of-new-discoveries-priceless</loc>
      <lastmod>2026-02-18T20:10:31.734Z</lastmod>
      <changefreq>weekly</changefreq>
    </url><url>
      <loc>https://www.fmbnc.com/lending/your-business/commercial-lending-team</loc>
      <lastmod>2026-01-07T20:51:02.688Z</lastmod>
      <changefreq>weekly</changefreq>
    </url><url>
      <loc>https://www.fmbnc.com/lending/your-life/home-equity-lines-of-credit</loc>
      <lastmod>2024-02-22T13:29:04.989Z</lastmod>
      <changefreq>weekly</changefreq>
    </url><url>
      <loc>https://www.fmbnc.com/local-banks-the-future-of-community-investing</loc>
      <lastmod>2024-02-29T18:34:32.244Z</lastmod>
      <changefreq>weekly</changefreq>
    </url><url>
      <loc>https://www.fmbnc.com/security-center/-scams-targeting-older-adults</loc>
      <lastmod>2025-10-10T17:18:37.091Z</lastmod>
      <changefreq>weekly</changefreq>
    </url><url>
      <loc>https://www.fmbnc.com/types-of-mobile-loans-and-their-pros-and-cons</loc>
      <lastmod>2024-02-22T13:37:34.580Z</lastmod>
      <changefreq>weekly</changefreq>
    </url><url>
      <loc>https://www.fmbnc.com/your-business/business-on-the-go/positive-pay</loc>
      <lastmod>2024-02-22T13:47:13.280Z</lastmod>
      <changefreq>weekly</changefreq>
    </url><url>
      <loc>https://www.fmbnc.com/connect/2025-rowan-county-dragon-boat-festival</loc>
      <lastmod>2025-08-27T21:11:31.526Z</lastmod>
      <changefreq>weekly</changefreq>
    </url><url>
      <loc>https://www.fmbnc.com/safe-simple-cash-management-with-ics-and-cdars</loc>
      <lastmod>2025-02-12T20:47:07.343Z</lastmod>
      <changefreq>weekly</changefreq>
    </url><url>
      <loc>https://www.fmbnc.com/security-center/what-to-do-after-a-data-breach</loc>
      <lastmod>2024-10-14T17:08:39.926Z</lastmod>
      <changefreq>weekly</changefreq>
    </url><url>
      <loc>https://www.fmbnc.com/your-life/bank-on-the-go/debit-card-management</loc>
      <lastmod>2024-02-22T02:09:21.324Z</lastmod>
      <changefreq>weekly</changefreq>
    </url><url>
      <loc>https://www.fmbnc.com/applying-for-commercial-loans-with-banks-in-nc-</loc>
      <lastmod>2025-03-25T16:20:36.334Z</lastmod>
      <changefreq>weekly</changefreq>
    </url><url>
      <loc>https://www.fmbnc.com/comparing-checking-accounts-vs-savings-accounts</loc>
      <lastmod>2024-02-22T01:56:45.369Z</lastmod>
      <changefreq>weekly</changefreq>
    </url><url>
      <loc>https://www.fmbnc.com/first-time-homebuyer-5-benefits-you-should-know</loc>
      <lastmod>2025-04-23T18:11:31.174Z</lastmod>
      <changefreq>weekly</changefreq>
    </url><url>
      <loc>https://www.fmbnc.com/security-center/when-romance-scams-go-high-tech</loc>
      <lastmod>2026-02-10T20:36:09.028Z</lastmod>
      <changefreq>weekly</changefreq>
    </url><url>
      <loc>https://www.fmbnc.com/your-business/accounts/savings-and-money-market</loc>
      <lastmod>2026-01-07T21:10:18.574Z</lastmod>
      <changefreq>weekly</changefreq>
    </url><url>
      <loc>https://www.fmbnc.com/your-business/business-on-the-go/wire-transfers</loc>
      <lastmod>2024-02-22T13:47:53.096Z</lastmod>
      <changefreq>weekly</changefreq>
    </url><url>
      <loc>https://www.fmbnc.com/your-business/garman-homes-review-of-fandm-bank</loc>
      <lastmod>2024-02-22T02:06:18.025Z</lastmod>
      <changefreq>weekly</changefreq>
    </url><url>
      <loc>https://www.fmbnc.com/your-business/merchant-services-comparison-form</loc>
      <lastmod>2024-02-22T01:52:12.932Z</lastmod>
      <changefreq>weekly</changefreq>
    </url><url>
      <loc>https://www.fmbnc.com/your-life/bank-on-the-go/order-foreign-currency</loc>
      <lastmod>2023-08-02T19:16:55.617Z</lastmod>
      <changefreq>weekly</changefreq>
    </url><url>
      <loc>https://www.fmbnc.com/nc-local-banks-the-future-of-community-investing</loc>
      <lastmod>2024-10-17T18:11:09.370Z</lastmod>
      <changefreq>weekly</changefreq>
    </url><url>
      <loc>https://www.fmbnc.com/retirement-accounts-plan-today-retire-in-comfort</loc>
      <lastmod>2025-05-14T16:25:58.700Z</lastmod>
      <changefreq>weekly</changefreq>
    </url><url>
      <loc>https://www.fmbnc.com/understanding-commercial-loans-and-how-they-work</loc>
      <lastmod>2024-02-22T02:00:53.726Z</lastmod>
      <changefreq>weekly</changefreq>
    </url><url>
      <loc>https://www.fmbnc.com/5-benefits-of-apple-pay-for-merchants-and-clients</loc>
      <lastmod>2024-02-22T14:54:29.023Z</lastmod>
      <changefreq>weekly</changefreq>
    </url><url>
      <loc>https://www.fmbnc.com/lending/your-business/lines-and-letters-of-credit</loc>
      <lastmod>2023-07-13T14:49:19.854Z</lastmod>
      <changefreq>weekly</changefreq>
    </url><url>
      <loc>https://www.fmbnc.com/whats-the-right-checking-account-for-your-business</loc>
      <lastmod>2024-02-22T02:02:10.072Z</lastmod>
      <changefreq>weekly</changefreq>
    </url><url>
      <loc>https://www.fmbnc.com/your-business/business-on-the-go/business-services</loc>
      <lastmod>2024-02-22T14:37:06.812Z</lastmod>
      <changefreq>weekly</changefreq>
    </url><url>
      <loc>https://www.fmbnc.com/your-business/business-on-the-go/merchant-services</loc>
      <lastmod>2026-01-07T21:12:10.261Z</lastmod>
      <changefreq>weekly</changefreq>
    </url><url>
      <loc>https://www.fmbnc.com/your-business/business-on-the-go/smart-pay-express</loc>
      <lastmod>2023-07-13T14:49:22.426Z</lastmod>
      <changefreq>weekly</changefreq>
    </url><url>
      <loc>https://www.fmbnc.com/your-life/bank-on-the-go/digital-banking-tutorials</loc>
      <lastmod>2024-06-27T11:57:23Z</lastmod>
      <changefreq>weekly</changefreq>
    </url><url>
      <loc>https://www.fmbnc.com/your-life/bank-on-the-go/person-to-person-payments</loc>
      <lastmod>2024-02-22T14:37:51.648Z</lastmod>
      <changefreq>weekly</changefreq>
    </url><url>
      <loc>https://www.fmbnc.com/fandm-bank-welcomes-chrissy-overman-and-misty-goins</loc>
      <lastmod>2024-02-22T13:40:09.795Z</lastmod>
      <changefreq>weekly</changefreq>
    </url><url>
      <loc>https://www.fmbnc.com/investments/7-finance-tips-from-investment-advisors</loc>
      <lastmod>2024-02-22T13:32:13.781Z</lastmod>
      <changefreq>weekly</changefreq>
    </url><url>
      <loc>https://www.fmbnc.com/residential-loan-documents-required-by-banks-in-nc-</loc>
      <lastmod>2025-04-23T18:19:49.028Z</lastmod>
      <changefreq>weekly</changefreq>
    </url><url>
      <loc>https://www.fmbnc.com/5-essential-things-to-know-about-bank-mobile-deposit</loc>
      <lastmod>2024-02-22T01:54:37.308Z</lastmod>
      <changefreq>weekly</changefreq>
    </url><url>
      <loc>https://www.fmbnc.com/connect/building-trust-through-financial-empowerment</loc>
      <lastmod>2025-11-12T17:56:26.781Z</lastmod>
      <changefreq>weekly</changefreq>
    </url><url>
      <loc>https://www.fmbnc.com/identity-theft-common-causes-and-how-to-recognize-it</loc>
      <lastmod>2024-02-22T14:56:27.174Z</lastmod>
      <changefreq>weekly</changefreq>
    </url><url>
      <loc>https://www.fmbnc.com/your-business/business-on-the-go/chip-technology-faq</loc>
      <lastmod>2024-02-22T14:03:40.722Z</lastmod>
      <changefreq>weekly</changefreq>
    </url><url>
      <loc>https://www.fmbnc.com/a-comprehensive-guide-to-getting-a-home-mortgage-loan</loc>
      <lastmod>2025-04-23T18:17:40.446Z</lastmod>
      <changefreq>weekly</changefreq>
    </url><url>
      <loc>https://www.fmbnc.com/security-center/the-fraud-fighting-power-of-a-gel-pen</loc>
      <lastmod>2025-08-22T19:44:55.775Z</lastmod>
      <changefreq>weekly</changefreq>
    </url><url>
      <loc>https://www.fmbnc.com/your-life/bank-on-the-go/mobile-wallet-with-apple-pay</loc>
      <lastmod>2024-02-22T14:31:01.178Z</lastmod>
      <changefreq>weekly</changefreq>
    </url><url>
      <loc>https://www.fmbnc.com/is-it-legal-to-use-a-personal-credit-card-for-business</loc>
      <lastmod>2026-02-03T03:16:38.579Z</lastmod>
      <changefreq>weekly</changefreq>
    </url><url>
      <loc>https://www.fmbnc.com/your-life/bank-on-the-go/mobile-wallet-with-google-pay</loc>
      <lastmod>2024-02-22T13:38:13.687Z</lastmod>
      <changefreq>weekly</changefreq>
    </url><url>
      <loc>https://www.fmbnc.com/fandm-bank-promotes-lori-huie-rob-miller-and-nick-means</loc>
      <lastmod>2024-02-22T13:28:20.982Z</lastmod>
      <changefreq>weekly</changefreq>
    </url><url>
      <loc>https://www.fmbnc.com/fandm-bank-supports-wakemeds-whole-person-health-campus</loc>
      <lastmod>2024-06-10T17:57:52.313Z</lastmod>
      <changefreq>weekly</changefreq>
    </url><url>
      <loc>https://www.fmbnc.com/your-business/business-on-the-go/remote-deposit-capture</loc>
      <lastmod>2024-02-22T13:46:56.349Z</lastmod>
      <changefreq>weekly</changefreq>
    </url><url>
      <loc>https://www.fmbnc.com/your-life/accounts/personal-checking-account-comparison</loc>
      <lastmod>2026-01-13T20:53:16.227Z</lastmod>
      <changefreq>weekly</changefreq>
    </url><url>
      <loc>https://www.fmbnc.com/client-testimonial-shady-grove-missionary-baptist-church</loc>
      <lastmod>2024-10-15T15:07:00.487Z</lastmod>
      <changefreq>weekly</changefreq>
    </url><url>
      <loc>https://www.fmbnc.com/denied-a-small-business-loan-in-nc-heres-what-to-do-next</loc>
      <lastmod>2025-05-14T17:24:04.346Z</lastmod>
      <changefreq>weekly</changefreq>
    </url><url>
      <loc>https://www.fmbnc.com/security-center/how-to-protect-yourself-from-heloc-scams</loc>
      <lastmod>2024-10-09T21:30:30.195Z</lastmod>
      <changefreq>weekly</changefreq>
    </url><url>
      <loc>https://www.fmbnc.com/security-center/watch-out-for-facebook-marketplace-scams</loc>
      <lastmod>2025-06-26T15:49:20.558Z</lastmod>
      <changefreq>weekly</changefreq>
    </url><url>
      <loc>https://www.fmbnc.com/4-immediate-measures-to-take-after-losing-your-debit-card</loc>
      <lastmod>2024-02-22T01:58:16.438Z</lastmod>
      <changefreq>weekly</changefreq>
    </url><url>
      <loc>https://www.fmbnc.com/investments/5-questions-to-ask-an-investment-banking-firm</loc>
      <lastmod>2024-02-22T14:53:53.328Z</lastmod>
      <changefreq>weekly</changefreq>
    </url><url>
      <loc>https://www.fmbnc.com/what-type-of-mortgage-rate-can-i-get-with-my-credit-score</loc>
      <lastmod>2025-04-23T18:13:45.541Z</lastmod>
      <changefreq>weekly</changefreq>
    </url><url>
      <loc>https://www.fmbnc.com/your-life/bank-on-the-go/lost-debit-card-or-mobile-device</loc>
      <lastmod>2023-08-02T19:17:13.969Z</lastmod>
      <changefreq>weekly</changefreq>
    </url><url>
      <loc>https://www.fmbnc.com/security-center/how-to-prevent-in-person-payment-app-scams</loc>
      <lastmod>2024-10-09T21:28:59.412Z</lastmod>
      <changefreq>weekly</changefreq>
    </url><url>
      <loc>https://www.fmbnc.com/with-mastercard-everyday-purchases-could-help-you-get-away</loc>
      <lastmod>2025-02-27T21:01:11.218Z</lastmod>
      <changefreq>weekly</changefreq>
    </url><url>
      <loc>https://www.fmbnc.com/your-business/business-on-the-go/quickbooks-direct-connect</loc>
      <lastmod>2023-07-13T14:49:19.442Z</lastmod>
      <changefreq>weekly</changefreq>
    </url><url>
      <loc>https://www.fmbnc.com/your-business/harris-morrison-company-review-of-fandm-bank</loc>
      <lastmod>2024-02-22T02:04:21.109Z</lastmod>
      <changefreq>weekly</changefreq>
    </url><url>
      <loc>https://www.fmbnc.com/your-business/new-zion-baptist-church-review-of-fandm-bank</loc>
      <lastmod>2024-02-22T02:04:51.399Z</lastmod>
      <changefreq>weekly</changefreq>
    </url><url>
      <loc>https://www.fmbnc.com/your-business/the-rosemyr-corporation-review-of-fandm-bank</loc>
      <lastmod>2024-02-22T02:06:57.537Z</lastmod>
      <changefreq>weekly</changefreq>
    </url><url>
      <loc>https://www.fmbnc.com/your-complimentary-identity-protection-just-got-an-upgrade</loc>
      <lastmod>2025-06-26T15:43:31.294Z</lastmod>
      <changefreq>weekly</changefreq>
    </url><url>
      <loc>https://www.fmbnc.com/your-life/bank-on-the-go/online-banking-and-app-experience</loc>
      <lastmod>2024-06-27T15:11:12.827Z</lastmod>
      <changefreq>weekly</changefreq>
    </url><url>
      <loc>https://www.fmbnc.com/exploring-the-benefits-of-local-banks-putting-clients-first</loc>
      <lastmod>2024-02-29T18:34:23.712Z</lastmod>
      <changefreq>weekly</changefreq>
    </url><url>
      <loc>https://www.fmbnc.com/find-the-right-mortgage-for-your-dream-home-with-fandm-bank</loc>
      <lastmod>2025-05-14T17:18:10.419Z</lastmod>
      <changefreq>weekly</changefreq>
    </url><url>
      <loc>https://www.fmbnc.com/security-center/charity-scams-giving-safely-in-a-digital-age</loc>
      <lastmod>2024-11-18T15:48:45.506Z</lastmod>
      <changefreq>weekly</changefreq>
    </url><url>
      <loc>https://www.fmbnc.com/your-life/bank-on-the-go/in-app-email-and-text-notifications</loc>
      <lastmod>2024-02-22T01:45:06.509Z</lastmod>
      <changefreq>weekly</changefreq>
    </url><url>
      <loc>https://www.fmbnc.com/your-life/bank-on-the-go/temporarily-suspend-your-debit-card</loc>
      <lastmod>2024-02-22T02:10:24.842Z</lastmod>
      <changefreq>weekly</changefreq>
    </url><url>
      <loc>https://www.fmbnc.com/security-center/how-fraud-is-evolving-key-scam-trends-for-2026</loc>
      <lastmod>2026-01-09T19:22:41.407Z</lastmod>
      <changefreq>weekly</changefreq>
    </url><url>
      <loc>https://www.fmbnc.com/your-business/business-on-the-go/automated-clearing-house-ach-</loc>
      <lastmod>2024-02-22T13:46:39.071Z</lastmod>
      <changefreq>weekly</changefreq>
    </url><url>
      <loc>https://www.fmbnc.com/security-center/dont-take-the-bait-how-to-spot-irs-and-tax-scams</loc>
      <lastmod>2026-03-19T21:18:24.368Z</lastmod>
      <changefreq>weekly</changefreq>
    </url><url>
      <loc>https://www.fmbnc.com/security-center/how-to-protect-yourself-from-cryptocurrency-scams</loc>
      <lastmod>2024-10-09T21:23:45.988Z</lastmod>
      <changefreq>weekly</changefreq>
    </url><url>
      <loc>https://www.fmbnc.com/fandm-bank-staff-honored-at-rowan-county-united-way-annual-meeting</loc>
      <lastmod>2024-04-02T13:59:55.822Z</lastmod>
      <changefreq>weekly</changefreq>
    </url><url>
      <loc>https://www.fmbnc.com/connect/supporting-our-communitys-health-and-well-being-with-wakemed</loc>
      <lastmod>2024-06-10T20:18:59.165Z</lastmod>
      <changefreq>weekly</changefreq>
    </url><url>
      <loc>https://www.fmbnc.com/top-benefits-of-choosing-construction-loans-for-your-nc-home-project</loc>
      <lastmod>2024-10-17T17:39:26.780Z</lastmod>
      <changefreq>weekly</changefreq>
    </url><url>
      <loc>https://www.fmbnc.com/your-life/bank-on-the-go/idprotect-identity-theft-protection-service</loc>
      <lastmod>2026-01-08T21:12:15.474Z</lastmod>
      <changefreq>weekly</changefreq>
    </url><url>
      <loc>https://www.fmbnc.com/a-few-essential-tips-on-finding-the-best-bank-for-start-up-businesses</loc>
      <lastmod>2024-02-22T14:58:58.637Z</lastmod>
      <changefreq>weekly</changefreq>
    </url><url>
      <loc>https://www.fmbnc.com/new-director-elected-to-fandm-financial-corporation-board-of-directors</loc>
      <lastmod>2024-02-22T01:54:06.295Z</lastmod>
      <changefreq>weekly</changefreq>
    </url><url>
      <loc>https://www.fmbnc.com/security-center/how-scammers-use-fake-urgency-to-sneak-into-your-season</loc>
      <lastmod>2025-12-15T17:47:04.838Z</lastmod>
      <changefreq>weekly</changefreq>
    </url><url>
      <loc>https://www.fmbnc.com/security-center/debit-card-skimming-and-cloning-how-to-protect-your-card</loc>
      <lastmod>2024-10-09T21:25:44.371Z</lastmod>
      <changefreq>weekly</changefreq>
    </url><url>
      <loc>https://www.fmbnc.com/connect/fandm-bank-staff-honored-at-rowan-county-united-way-annual-meeting</loc>
      <lastmod>2024-04-02T13:58:54.021Z</lastmod>
      <changefreq>weekly</changefreq>
    </url><url>
      <loc>https://www.fmbnc.com/connect/fandm-bank-supports-webuild-concords-vision-for-attainable-housing</loc>
      <lastmod>2025-06-09T19:00:34.877Z</lastmod>
      <changefreq>weekly</changefreq>
    </url><url>
      <loc>https://www.fmbnc.com/connect/fandm-bank-finances-montague-plaza-supporting-black-owned-businesses</loc>
      <lastmod>2024-07-07T11:45:12.472Z</lastmod>
      <changefreq>weekly</changefreq>
    </url><url>
      <loc>https://www.fmbnc.com/connect/united-way-of-north-carolina-awarded-fandm-bank-the-spirit-of-nc-award</loc>
      <lastmod>2024-05-30T20:02:41.982Z</lastmod>
      <changefreq>weekly</changefreq>
    </url><url>
      <loc>https://www.fmbnc.com/fandm-bank-finances-montague-plaza-development-supports-black-owned-businesses</loc>
      <lastmod>2024-07-06T12:13:33.203Z</lastmod>
      <changefreq>weekly</changefreq>
    </url><url>
      <loc>https://www.fmbnc.com/why-owner-occupied-real-estate-loans-are-a-smart-investment-for-small-business-owners</loc>
      <lastmod>2026-02-03T03:22:23.208Z</lastmod>
      <changefreq>weekly</changefreq>
    </url><url>
      <loc>https://www.fmbnc.com/connect/fandm-banks-nick-means-expands-financial-empowerment-efforts-across-rowan-county</loc>
      <lastmod>2025-11-13T13:34:46.793Z</lastmod>
      <changefreq>weekly</changefreq>
    </url><url>
      <loc>https://www.fmbnc.com/fandm-bank-unveils-new-website-showcasing-commitment-to-clients-innovation-and-community-</loc>
      <lastmod>2024-02-22T14:18:53.866Z</lastmod>
      <changefreq>weekly</changefreq>
    </url><url>
      <loc>https://www.fmbnc.com/fandm-bank-promotes-laura-osborne-jim-hartsell-charity-skipper-and-cynthia-m-waitkus-kolbasowski-</loc>
      <lastmod>2024-02-22T02:02:44.756Z</lastmod>
      <changefreq>weekly</changefreq>
    </url>
    </urlset>