Secure Your Finances with
Our Reliable Banking Services

About Us

Since 1950, we have been proudly serving our customers and communities with market-driven products and services.
Our continued success has been based on…

  • Providing exceptional quality service, fostered by teamwork that exceeds our customer’s expectations.
  • Offering competitive financial products that are effectively delivered.
  • Working diligently in our communities to improve quality of life.

F&M Bank is going strong & stays committed to the communities we serve. Don’t forget to visit our community center for local photos and updates on events & other news.

about-img
about-img

Mortgages

We offer various products and services for the purchase of a home, construction of a new home and refinancing of an existing home. In some instances, there is a cash out option available with refinancing. We also offer in-house financing, and have options for permanent financing, with long term fixed rates through Rocket Pro Mortgage.

Loans

We believe in helping our customers reach their goals and meet their needs. F&M Bank provides a variety of competitive lending products and options for both personal and commercial customers.

Loan-img
mobile-banking

Mobile Banking

Mobile Banking allows you to enjoy real-time access to your accounts anywhere at any time while you are on the go. We offer two ways of mobile banking: Text Banking or by using our Mobile App for iPhone, iPad, or Android device. It is free, easy, safe and secure. You must be a current online banking customer.

What Our Customers Have to Say About Us

Star
“Have really enjoyed banking with them - real home town feel. The people at Furys Ferry Rd Branch are the most friendly.”

Wayne Hawkins

Star
“The people at F&M Bank of Washington Ga. are the nicest people to bank with. I love the people that work at both branches. Awesome people and bank!”
Lynn Gayton
Star
“Awesome people and amazing customer service.”
Ed David
Star
“Everyone that I have encountered when I visit have always been nice and pleasant.”
Elaysia Blackwood
Star
“I have been dealing with F&M for around 30 years. Great People, Great Bank.”
Billy Rogers
Star
“I can’t say enough good things about F&M. They’ve helped me a lot over the years. Really great people that define hometown banking.”
Cliff Russell IV
Star
“One of the best banks to do business with. Decisions made on the spot, easy, fast, and very professional.”
Omar Ahmadie
Star
“Nice place to do business”
Jackie Lewis
Star
“Have been inside this hometown bank several times. The employees are always very nice and friendly. Knowing your customers by name really makes people feel good when they enter a place they do business with.”
Larry W. Grant
Star
“Excellent Customer Service! F&M Bank is a bank that cares about their customers. I moved all of my accounts from three big banks to F&M.”
Cathy Hawkins
Star
“We have really enjoyed working with F&M Bank and look forward to continued partnership.”
Jeff Childress
Star
“Nice to know that when I walk in that I am greeted by name and a bright smile”
Bob Ogden
Star
“I've been with F&M Bank for a little over two years, and they have been so helpful for my small business. They consistently go above and beyond for their customers and I am grateful for their support!”
Sara Sullivan