We Bank Your Way

To make banking more convenient and accessible, we can provide you with many additional options to save you time and money.

Personal Banking Services

  • Online Banking

    Access your accounts, anytime, anywhere, simply by visiting our website. Get information and manage the details of all your personal loan and deposit accounts, transfer funds, place stop payments, reorder checks and more — with just a few simple clicks. And, of course, it’s all free. To get started with Online Banking, sign up here.

  • Online Bill Pay

    Pay your bills easily. No more writing checks, mailing envelopes or applying stamps. Online Bill Pay is convenient and secure, allowing you to pay all your bills on one website through F&M Trust’s secure online banking system. You get the flexibility of setting up when and to whom you pay bills while saving time and money. To get started with Online Bill Pay, sign up here.

  • Mobile Banking

    Experience the smart power and freedom of Mobile Banking. Need to balance your checking account while paddling on a wakeboard? Check. Need to move funds while winding through a corn maze? Check. Need to deposit your aunt’s birthday check while binge-watching on your sofa? Check, check.

    Our Mobile Banking app puts everyday banking at your fingertips. In today's fast-paced world, you need access to your money, regardless of where you are. View statements, account balances and recent transactions, transfer funds between accounts and pay bills — all from your mobile device. With Mobile Xpress Deposit, you can also make a deposit anytime, anywhere.

    In the end, it’s like holding one of our trustworthy, service friendly staff, right in the palm of your hand. No drive-thru required.

  • Electronic Banking Services

    Save time and money by using convenient Electronic Banking Services, like direct deposit of payroll, dividends, social security and retirement benefits; automatic drafting to make insurance payments, loan payments or club account deposits; and automatic deposit of your CD interest or club disbursements to an F&M Trust checking or savings account.

  • e-Statements

    Get secure and instant access to your statements from anywhere via any internet-connected computer or mobile e-Statements on your smartphone. No waiting for monthly statements to arrive in the mail, no more lost or misplaced statements, and no papers to file or shred. It's easy to sign up; just log into Online Banking to change your statement delivery method under the Account Maintenance tab.

  • Freedom Access Center (Telephone Banking)

    Bank by phone seven days a week, 24 hours a day. Access your accounts, transfer funds, get loan and deposit account information, make a payment to a line of credit or loan account, request stop payments and more. Contact our Freedom Access Center at (717) 261-3662 or toll-free at (888) 261-3662.

  • Call Center

    F&M Trust offers customer service support after normal business hours, including weekends and some holidays.* We are ready to assist you with a variety of questions related to your F&M Trust account or service, such as:

    • General account inquiries
    • Reporting a lost or stolen Debit MasterCard®
    • Replacing a Debit MasterCard®
    • Help with online or mobile banking — including password resets
    • Initiating requests pertaining to your account — including travel notifications and restrictions
    • Branch hours, locations, and much more!


    If you need assistance after normal business hours, call us anytime. It’s Banking Done Your Way around the clock!*



    *Customer Call Center is not available on the following holidays: Easter, Memorial Day, Independence Day, Labor Day, Thanksgiving Day, Christmas Day and New Year’s Day. Franklin Business Link after-hours support is available Monday-Friday from 5pm-9pm.


We’ve got the perfect checking account to match your style.

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Whether you’re saving for a vacation or an emergency, we’re ready to help.

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Buying a home or a car? We’ve got you covered.

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Bank your way with our financial services and resources.

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