Welcome to our NEW website!

Thank you for visiting F&M's new website. I hope you find the new design easy to use and navigate. We are focused on providing customers with modern online and digital banking features that enhance the way you interact with the bank.

We are also proud to offer Kasasa®; a national brand of the most innovative checking products available today. Kasasa is a whole new way of banking.

No matter how you want to bank, F&M has a delivery channel that meets your needs. If you choose, you can do your banking online including opening accounts and applying for a loan. With the F&M Mobile App and FM eXpress you can access your accounts, check balances, transfer funds, or pay your bills from your smart phone.

If you prefer banking face to face, we have 24 convenient full service offices and 38 ATMs throughout Northwest Ohio and Northeast Indiana. By making it convenient to bank with F&M, we're also making it easy to be "Your Bank for Life."

F&M Bank is safe and secure. As a traditional community bank we did not cause any of the financial difficulties. In fact we have always had plenty of money to lend to qualified borrowers. We are always looking for more good loans, whether for individuals, businesses, or agriculture.

We do have FDIC insurance up to $250,000 per depositor and $250,000 for retirement accounts. If as a depositor these limits concern you we have available the CDARS program that will expand your FDIC coverage to $50 million.

F&M is a publicly traded company under the symbol FMAO on the OTC-QX. If you would like to see our files or just how strong we are go to Investor Relations.

As always, we will be more than glad to help you if you have any questions, and we welcome any feedback as we are continually working to offer more convenient services for each and every one of you.

Paul S. Siebenmorgen
President & CEO