F&M Trust

Apply online for a mortgage with F&M Trust. Start your home loan application for properties in Pennsylvania and Maryland with trusted local lenders.

Explore financing, cash management, and banking services tailored to businesses across South Central Pennsylvania.

Explore personal banking solutions including checking, savings, loans, and digital tools tailored to your financial journey.

Use F&M Trust’s secure file transfer portal to safely upload and send confidential documents with encrypted protection.

What do you get when you cross art with the technology behind digital currencies such as bitcoin? The answer is a “Non-Fungible Token” or NFT. The token is a digital representation of a digital thing, and it is made unique with a blockchain signature. Their value comes from their uniqueness. CNBC reports that trading in NFTs reaching an estimated $17.6 billion in 2021. However, the craze may have peaked.

Access financial calculators, rates, and educational resources to support smarter financial decisions.

The home office deduction is probably the most misunderstood deduction – misunderstood by non-tax professionals, of course – among all the entries in the tax code.

Most businesses require capital, especially during their start-up and growth phase. While some small businesses – especially service businesses like consulting – are funded by using the entrepreneur’s savings or other assets, most companies will at some point apply for financing to weather cash flow crises, purchase needed equipment and supplies, or expand operations.

F&M Trust recently donated $5,000 to two not-for-profit organizations in Washington County as part of its partnership with the Hagerstown Flying Boxcars. For the second year in a row, the bank’s partnership with the professional baseball team is recognizing the efforts of not-for-profits that are making an impact in the community with the F&M Trust Strikeout Initiative.

More than 250 employees of F&M Trust recently spent an afternoon in Carlisle assembling “Comfort Buddies” for first responders to assist children in need.

F&M Trust is pleased to announce that Steve Butz, Chief Commercial Services Officer, has been promoted to Executive Vice President. Butz has been a vital part of F&M Trust since November 2013, previously serving as Senior Vice President and Chief Commercial Services Officer. With over 40 years of experience, he has played a pivotal role in building the Commercial Services Division and driving expansion in the Capital Region and other markets that are important to the bank’s strategic growth.

Stay up to date with F&M Trust news, press releases, community involvement, leadership updates, and company announcements across Pennsylvania and Maryland.

Join a team committed to community banking, professional development, and meaningful customer relationships.

View current deposit and loan interest rates for savings, CDs, mortgages, and personal loans from F&M Trust.

Account must be opened between April 20 - September, 30, 2026. Offer available to new personal checking customers only.

Explore the experienced leadership and banking professionals guiding financial services across our communities.

Learn how F&M Trust has served South Central Pennsylvania and Maryland since 1906 through relationship-based banking and local financial leadership.

Learn how F&M Trust supports South Central Pennsylvania through volunteerism, nonprofit partnerships, and community investment initiatives.

Find F&M Trust branch locations and ATMs across Pennsylvania and Maryland, including hours, directions, and banking services near you.

Visit F&M Trust banking offices in Cumberland County, PA for personal, business, and lending services.

Explore F&M Trust locations across Dauphin County with convenient access to personal banking, lending, and business financial services.

Connect with F&M Trust Wealth Management for guidance on investments, retirement planning, and legacy strategies.

F&M Trust is a community bank that serves South Central Pennsylvania, from Chambersburg to Harrisburg. Start saving money and open an F&M Trust account.

The mobile application requests access to information stored on your device such as location, camera, contacts, or other features you are enrolled in to enrich and simplify your own user experience and improve our services, as well as provide additional security to protect your account.

Review F&M Trust’s Privacy Policy to learn how we collect, use, protect, and safeguard customer information across our banking services and digital platforms.

Learn how F&M Trust protects customer data through information security policies, fraud prevention measures, and secure online banking technologies.

F&M Trust is a community bank that serves South Central Pennsylvania, from Chambersburg to Harrisburg. Start saving money and open an F&M Trust account.