At F&M Trust, our first commitment is to maintain the security and privacy of our customers' financial assets and personal information. We take security seriously and offer the tools, resources, safeguards and state-of-the-art technology necessary to fight fraud, identity theft and financial scams. Our approach to combating fraud applies to our individual and business banking relationships.  You can be confident that:

1. Your Deposits are Insured by the FDIC

All deposit accounts at F&M Trust Company are insured by the Federal Deposit Insurance Corporation (FDIC). The FDIC calculates deposit insurance based on the type of ownership ("right and capacity") in which funds are owned. All deposits (CDs, Checking, Savings) held in the same type of ownership are added together under the FDIC's general deposit insurance coverage. Funds held in different types of ownership (Individual, Joint, Trust, Retirement) are separately insured. Any time there is a change in relationships within a family, such as a birth, death or divorce, the deposit insurance coverage of your accounts may be affected. 

Click Here - to view the FDIC Deposit Insurance Brochure

To better understand how the deposit insurance rules and limits apply to your deposit accounts on a per-bank basis - what's insured and what portion (if any) exceeds coverage limits at your bank, use the FDIC's Electronic Deposit Insurance Estimator (EDIE). EDIE calculates the insurance coverage for Personal Accounts - deposits held by people in single accounts, joint accounts, POD/ITF accounts, living trust accounts, irrevocable trust accounts, and Individual Retirement Accounts (IRAs); Business Accounts - deposits held by corporations, partnerships, and organizations, both for-profit and not-for-profit; and Government Accounts - deposits held by public units such as school districts, cities, municipalities, counties and states. EDIE also allows you to print the report for your records. (For more information on deposit insurance, visit the FDIC website.)

2. Your online banking is safe and secure.

Our proven, state-of-the-art software and hardware technologies ensure that your data is safe. We use SSL encryption, firewalls, filtering routers, and a variety of authentication techniques. These methods guard your data as it passes from your computer to our systems and back again.

As a customer, you share in the responsibility for the security of your information. You must use an SSL-compliant browser (e.g. Netscape Navigator or Microsoft Internet Explorer). It is extremely important that you not share your User ID or Password with anyone, and that you contact us immediately if you suspect that the security of your User ID or Password has been compromised. Please be sure never to leave your computer unattended while logged in to and always to logout when you are finished with your session. Close your browser window after you have logged out. This prevents anyone from using the "Back" button to view your private records.

3. Your privacy will be protected.

At F&M Trust, we respect your right to privacy and have strict procedures to ensure its protection. We collect information about individual customers only where we reasonably believe that it would be useful for administering the bank's business and providing products and services to our customers. We do not share your information with outside marketers except companies that perform services or functions on our behalf such as data processing service companies and direct marketing companies. All of our employees must adhere to strict standards of confidentiality.

Consumer Privacy Notice and Policy

4. Check 21

The Check Clearing for the 21st Century Act - or Check 21 - brings the nation's check payment system into the digital age and allows consumers to benefit from better and faster financial services. Check 21 improves the check processing system by allowing checks to be processed electronically rather than exchanged physically and often transported around the country several times before the payment cycle is completed. This benefits consumers by enhancing security and fraud detection.

Check 21 Disclosure document

5. Telemarketing Policy Statement

Do Not Call Request Form - Download and return to F&M Trust (address below)

F&M Trust is committed to honoring the requests of its current and prospective customers. In support of this commitment and pursuant to regulations set forth by the Federal Communications Commission (“FCC”), F&M Trust has adopted the Telemarketing Policy summarized in this policy statement. The Telemarketing Policy is available upon request.

F&M Trust maintains a record of the name and contact telephone number for consumers who do not wish to be called. If you do not wish to receive telemarketing and/or telephone solicitation calls from F&M Trust you should complete this form and return it to F&M Trust at the address provided. You may also submit an e-mail communication to the e-mail address below indicating your desire to be placed on the "do-not-call" list. Any mail or e-mail communication to you confirming receipt of your "do-not-call" request will not be deemed to have violated this policy. In compliance with federal and state laws, we will document your request immediately. Please allow up to 30 days for your telephone number to be removed from any sales programs that are currently underway.

  • Your request can be in writing or e-mail, and must include at a minimum, your telephone number and name.
  • If you have multiple phone numbers, tell us all numbers that you want to be included on the ‘Do Not Call’ list.

Our “do-not-call” records are maintained for at least five (5) years, so those consumers will not be burdened with periodic calls to renew a “do-not-call” request.

When we solicit prospective customers, we also honor “Do Not Call” requests on behalf of consumers listed on the National Do Not Call Registry maintained by the Federal Trade Commission and various state-agency lists. Many states “Do Not Call” regulations permit companies to contact their own customers even though they are on these “Do Not Call” lists. Therefore, if you are a customer, you may be contacted by us even though you are on a state or the national “do not call” list. If you do not want to be contacted by F&M Trust even though you are a customer, simply follow the steps above to be placed on the F&M Trust “Do Not Call” list and your request will be honored.

For the purpose of this policy, the term "telemarketing" means the initiation of a telephone call or message for the purpose of encouraging the purchase or investment in property, goods, or services, which are transmitted to any consumer by F&M Trust and its subsidiaries.

For the purpose of this policy, the term "telephone solicitation" means the initiation of a telephone call or message for the purpose of encouraging the purchase or investment in property, goods, or services, which are transmitted to any consumer but such terms do not include a call or message (i) to any person with that person's prior express invitation or permission; or (ii) to any person with whom the caller has an established business relationship.

Being on the F&M Trust’s “Do Not Call” list means that you won't receive any sales calls by anybody representing F&M Trust. We may still contact you, however, for non-solicitation purposes. This would include things like surveys, billing and other service-related matters.

  • Any personnel involved with telemarketing and/or telephone solicitation with F&M Trust are trained, informed, and directed to comply with the F&M Trust’s Telemarketing Policy.
  • Consumers must inform F&M Trust of any changes in name or phone number if they move or wish to place a new telephone number on the F&M Trust’s Telemarketing Policy.
  • This policy does not cover independent third parties, who may, on their own initiative, conduct telemarketing and/or telephone solicitation to solicit consumers for F&M Trust’s products or services.
  • If a consumer requests a copy of our Telemarketing Policy, we will send a copy via U.S. Mail or electronic mail.

F&M Trust intends to comply with all federal and state do-not-call laws and regulations. If you have any questions or comments regarding our Telemarketing Policy, please contact the bank’s compliance officer at:

F&M Trust
Attn: Compliance Officer
P.O. Box 6010
Chambersburg, PA 17201
(717) 264-6116

6. Fannie Mae Mortgage Collection Complaint Escalation Process

If you are dissatisfied with the handling of the collection process on your Fannie Mae Mortgage that was obtained through F&M Trust, you may wish to file an escalated complaint. Please submit a written request to:

F&M Trust
Attn: Credit Recovery Manager
P.O. Box 6010; 20 South Main Street
Chambersburg, PA 17201
(888) 264-6116

Upon receipt of your request, F&M Trust will provide fair consideration and timely resolution of the escalated case. In accordance with Fannie Mae guidelines, the following steps will be followed:

Within three (3) business days following receipt of your escalated case, F&M Trust will acknowledge your inquiry in writing via e-mail, fax, or US mail and provide the date by which we will resolve the escalated case. {No more than fifteen (15) calendar days from the date the inquiry was received.}

If the bank fails to resolve the escalated case by the resolution date, F&M Trust may extend the resolution date for an additional fifteen (15) calendar days; however, the resolution time for an escalated case will not exceed thirty (30) calendar days.

Within five (5) business days of identifying the proposed escalation, F&M Trust will communicate to you in writing the proposed resolution and next steps, if applicable.

7. Social Media Policy

It is the social media policy of F&M Trust to terminate access if users upload or make accessible infringing content. Users will be warned and F&M Trust will terminate repeat offenders by blocking them.

No personal banking information should be shared on user-generated content/social media sites, and will be removed immediately.

All inappropriate content will be deleted from the pages, including but not limited to: offensive language, links or photos, and derogatory/non-constructive comments.

F&M Trust will post photographs taken at bank-sponsored and/or local events to the Photos tab of the F&M Trust Facebook page. It is F&M Trust's policy to not tag individuals in photos, but to allow other users to tag themselves and others in photos.

If you believe in good faith that material available on an F&M Trust site may infringe your copyright, you (or your agent) may send F&M Trust a notice requesting to remove the material or block access to it. If you believe in good faith that someone has wrongly filed a notice to copyright infringement against you, the Digital Millennium Copyright Act (DMCA) permits you to send F&M Trust a counter-notice. To request an image be removed from the F&M Trust Facebook or Twitter page, please download and complete the form below with detailed email including your name, contact information with phone number, the title of the image in question on Facebook, or date and content of tweet, and the reason to Please be advised that email is not a secure method of communication and should not be used to provide personal, non-public information such as account numbers, social security numbers, dates of birth, etc.

Click here to download the form.

We also recommend that you familiarize yourself with the privacy and security policies of social media websites before participating. Be sure you understand how your information can be displayed and used throughout the site as well as other third-party sites that may be linked to your social media communities.

Information about F&M Trust's Privacy and Security Policies.

Security Tip

Avoid becoming a victim of identity theft. Learn how to protect yourself.