F&M Bank & Trust

800 Phone Numbers

How to call F&M Bank & Trust: use the toll free number below to contact customer support for account help, bill pay, lost cards etc. When you call, you will be asked the questions below.

To speak with a real person, call 877-221-6424.

Customer Service

24 hours

  • F&M Bank, this XXXX, can I help you? (real person)

24 Hour Phone Banking


  • Welcome to F&M Bank and Trust Company’s telephone banking system.
  • For today’s transactions choose menu option 1,
  • Account information: after entering your account number and pin, choose menu option 2,
  • Review transactions: then choose menu option 5, pending transitions.
  • For all other inquiries please listen to the phone options.
  • For account information press 1,
  • for check verification press 3,
  • For miscellaneous information press 4,
    • for locations & business options, press 1
    • for current events, press 2
  • to end this call press 9 or hang up.