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June 1st, 2020


To All F&M Bank and Trust Customers:


All bank lobbies have reopened with several measures in place to assist in ensuring the health and safety of all customers and bank employees.

Banking hours will remain the same:

Monday - Thursday 8:30 am - 4:00 pm

Friday 8:30 am - 5:30 pm

Saturday 9:00 am - 12:00 pm


As always, electronic services are available 24/7

Online, Mobile & Telephone Banking make it possible to conduct most account transactions without having to visit a branch location.  Please visit for a listing of all electronic services available.


  • Online Banking – Our easy to use services allow you to check balances, transfer funds and pay bills. To enroll or for more information, visit
  • Mobile Banking – Our mobile banking app offers the same services on Online Banking, but from your mobile phone. If you have not downloaded our app, the links are available on our website.
  • The “Touch Banking” app is available at the Apple App Store or Google Play Store.
  • Mobile Deposit – Our mobile banking app also offers the convenience of depositing a check using the camera on your mobile phone.
  • Automated Teller Machines (ATMs) – we now operate ten (10) ATMs in the area for our customer’s convenience.
  • Night Depository Services are available at all branch locations.

If you have questions about any of these services, please call us toll free 877-221-6424 or 573-221-6424.


Thank you for your patience and understanding during this challenging period.  Please stay safe and healthy! 

Carl C. Watson, President / CEO
F & M Bank and Trust Co. / America's Hometown Bank