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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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Please Note:
As part of our continuous drive to provide the best customer service possible, you may receive communications from our research partner, Customer Service Profiles. Your opinions will help F&M Bank identify areas in which we can improve the manner we serve you. We look forward to hearing from you.




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    Important ATM Announcement:

    Between February 11 and March 4, we will be upgrading all F&M Bank ATMs with new card readers.  ATMs may be temporarily out of service while the upgrade is completed. Going forward, you will be asked to insert your card and remove quickly, similar to how you use your card when you are paying at the gas pump for gasoline purchases. This enhancement is being done in preparation of offering additional levels of security against fraud through the latest technology.   We apologize for any inconvenience and appreciate your patience