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Safe and Secure Since 1916

F&M Bank has long been acknowledged as one of the SAFEST and most SECURE banks in the United States and has consistently received the
Highest Possible Rating
from each of the following nationally recognized bank rating firms.*
BauerFinancial, Inc. rates F&M Bank
"Five-Star, Superior Bank"
The Findley Reports rates F&M Bank
"Super Premier Performer"
VERIBANC® rates F&M Bank
"Blue Ribbon Bank Commendation of Excellence"
Weiss Ratings rates F&M Bank
"A" or "Excellent"
*All ratings and the Blue Ribbon Commendation are for the year ending December 31, 2012.


You Know Your Deposits Are Safe With F&M Bank!

In addition to the safety and security of F&M Bank, each depositor may be insured to at least $250,000 by the Federal Deposit Insurance Corporation (FDIC) which is backed by the full faith and credit of the United States government.

NOTICE OF EXPIRATION OF THE TEMPORARY FULL FDIC INSURANCE COVERAGE FOR NONINTEREST-BEARING TRANSACTION ACCOUNTS

By operation of federal law, beginning January 1, 2013, funds deposited in a noninterest-bearing transaction account (including an Interest on Lawyer Trust Account) no longer will receive unlimited deposit insurance coverage by the Federal Deposit Insurance Corporation (FDIC). Beginning January 1, 2013, all of a depositor’s accounts at an insured depository institution, including all noninterest-bearing transaction accounts, will be insured by the FDIC up to the standard maximum deposit insurance amount ($250,000), for each deposit insurance ownership category.

For more information about FDIC insurance coverage of noninterest-bearing transaction accounts, visit:http://www.fdic.gov/deposit/deposits/unlimited/expiration.html

To find out how FDIC deposit insurance works and to estimate coverage on your deposits click the Learn More button.