F&M Bancorp, together with its subsidiaries, operates as an independent state-chartered bank in Ohio. The company offers direct, night, demand, and NOW deposit; money market accounts; business checking and savings accounts; home mortgage, home equity, auto, recreational vehicle, term, secured, business, farm and agri business, and student loans; and home equity line of credit. It also provides business and personal credit cards, debit cards, online and mobile banking, notary services, safe deposit boxes, automated teller machines, mobile wallet, merchant card services, and remote deposit capture, as well as insurance services. The company was founded in 1923 and is based in Miamisburg, Ohio.
