We've always considered service and personal attention to be important. But as we look around and see personal service as something that's become passé, we've done more than just try a little harder. We've made an all-out commitment to lead the banking industry back to where the customer came first and people were the reason for doing business. From our employee training and technological developments to our financial products and policies, we always have our customers in mind. F&M Bank strives to bring our customers the latest, most innovative products on the market, like our Rewards Checking account. Today's conveniences like online banking, bill pay, and eStatements are a given. F&M Bank also makes it a priority to provide international accommodations to our customers. As an internationally recognized bank, our International Department offers expertise in foreign trade financing, foreign currency exchange, documentary collections and more. As a small, local business, we want to help other small businesses succeed. So we offer a variety of affordable loans and a full suite of business products customizable to your specific needs. Going even further, our Private Banking services include private deposit and private lending services. At F&M Bank, we work hard to give our customers the world-class treatment they deserve and the services they need.