At F&M Bank, you can always expect big bank products with local, hometown service! We offer a variety of additional services to make your banking experience as seamless as possible. 

For questions regarding our additional services, please contact us.

Telephone Banking 

Bank from home using our convenient telephone banking service. Check balances, verify checks or debits paid, transfer funds, and more! Access by calling (937)-384-1750 or (855)-432-8219.

The first time you log into telephone banking you will be asked for an Alternate ID. Your Alternate ID is your birthdate, plus the last four digits of your social security number. For example, if you have a birthdate of April 7,1983 and the last four digits of your Social Security number are 1234, your alternate ID would be 040719831234. 

You will then be asked for a PIN. The first time you log in, your PIN will be the last four digits of your social security number. For example, if your Social Security number is 123-45-6789, your PIN would be 6789. 

Direct Deposit 

Deposit checks directly into your account — without having to make a trip to the bank. Contact us to set up this convenient service. 

Night Deposit 

Bank on the schedule that matters most — yours. Stop by any F&M Bank branch anytime to deposit checks and cash. Deposits will be processed the following business day. 

Notary Services 

The next time you need a document notarized, visit your friends at F&M Bank. We offer notary public services at every branch. Please contact us to schedule your appointment. 

Safe Deposit Boxes* 

Protect your valuables with an affordable safe deposit box. Contact us for deposit box sizes and rates. 

*Contents are not insured or guaranteed by the bank, the FDIC, or by any other government agency.