If you have a question about bank services, chances are you can find your answer here. Browse the questions below and click on the question to reveal the answer. If you have a question that is not listed here, please contact us and we'll get you an answer.

Online Banking

  • Can I access my accounts from more than one computer?

    Yes. You can use any computer that has Internet access and a browser with 128-bit security. That means you can pay bills and access your account at home, at work, or from a laptop.

  • How current is the online statement information?

    When you connect to Online Banking, you will receive information on all of your account activity for the last two statements. The online information is current and displays all activity conducted through F&M Trust such as electronic deposits and cleared checks, plus transactions at ATMs and merchant point-of-sale terminals.

  • How do I enroll in Online Banking?

    You may enroll online, or stop by any F&M Trust community banking office and ask a customer service representative for assistance setting up your account. You may also call us at (717) 264-6116 or (888) 264-6116 and we will assist you in the enrollment process over the phone.

  • How long does it take for bills to be paid online?

    It is necessary that all Scheduled Payment Dates selected by you be no less than five Business Days before the actual due date, not a late date and/or a date in the grace period. (For example, the payment should be entered no later than Monday before 8 p.m., Eastern Time [ET], for a payment to arrive on Friday.) Payment Instructions entered after the 8:00 p.m. ET Cutoff Time or on a non-Business Day will be considered entered in the Service on the next Business Day. If you properly follow the procedures described herein, and the Service fails to send a payment according to the Payment Instructions received, the Service will bear responsibility for all late charges (up to $50 per late payment). In any other event, including but not limited to choosing a Scheduled Payment Date which is not five Business Days before the due date or on or past the due date stated on your invoice or bill, the risk of incurring and the responsibility for paying any and all late charges or penalties shall be borne by you.

  • How much does it cost?

    Accessing account information through Online Banking is FREE to all personal account customers. Bill Pay comes FREE with your personal Online Banking account.

  • How secure is Online Banking?

    An outstanding feature of this system is its multiple security levels. Simply stated, F&M Trust’s Online Banking uses a combination of the latest security technologies to protect data. To get more technical, our system features password-controlled entry, authentication, and Secure Socket Layer (SSL) protocol for data encryption and state-of-the-art firewall protection. Regulation E applies to Online Banking just like our Debit MasterCard, and liability on unauthorized electronic transactions is limited to $50.00 for transactions that are reported in a timely manner.

    Please note: You will not be accessing F&M Trust's host computer when using online banking. When you request access for this service, your account information for Online Banking will be hosted on a separate server with all the appropriate firewalls and multiple layers of protection described above.

  • What can I do with F&M Trust’s Online Banking?

    You can check balances, review account histories, transfer funds between accounts, reorder checks, and issue stop payments. You will also have the option to use our Online Bill Pay service to pay bills. You can also communicate with F&M Trust through email.

  • What equipment and software will I need?

    You can access F&M Trust’s Online Banking from any computer that has Internet access. For best results, use the most recent version of one of the following browsers: Internet Explorer, Safari, Chrome, Firefox or Edge.

  • What if I forget my password?

    If you forget your Online Banking password, you can call us at (888) 264-6116 to have your password reset. You'll be asked to provide additional personal information that will verify your identification. Your password will then be reset and instructions to proceed will be sent to the email address that is on file with us. (It is very important to keep your email information up to date.) You will also have the ability to change your password online whenever you wish.

  • What is Online Banking?

    Online Banking lets you do your banking right from your PC at home or in the office. You now have access to all your banking information through the Internet. It's as easy as point and click. The safe and secure way to bank from your PC is available at F&M Trust.

  • What accounts can I access through Online Banking?

    You may access any account on which you are an authorized signer. Checking, savings, money market, and loan accounts can be accessed through our Online Banking system. Transfers may be made between checking, savings, and money market accounts. You can even make payments on any loan through a transfer from your checking, savings, or money market account.

  • Which bills will I be able to pay through Online Bill Pay?

    You can pay almost anyone with a valid address in the United States -- from utilities to credit cards to your newspaper carrier. However, government regulations do not allow you to make payments for alimony, maintenance, child support, taxes, or other governmental fees and court-directed payments through this service.

  • What is Enhanced Authentication?

    As online fraud techniques have become more sophisticated, the Federal Financial Institutions Examination Council (FFIEC) has called on banks to make Online Banking access more secure. F&M Trust has taken a proactive approach to protect our customers by implementing a new Online Banking login process for personal and business accounts.

  • How does Enhanced Authentication work?

    In addition to your username and security login code, the new system recognizes your computer / device usage patterns. When it notices a questionable login attempt, or a login attempt on a new computer or device, it will prompt for additional information to authenticate the login request. If you are trying to access their accounts from a device outside of your normal usage, the system will attempt to verify that the device belongs to you and not a cybercriminal.

  • How is Enhanced Authentication more secure?

    Currently if a user logs into Online Banking and cannot remember a password, they are asked two of a set of predetermined list of questions. What the FFIEC has determined is that these questions are not nearly secure enough for today’s social media focused culture. The new authentication system will call or text customers, at the number we have on file, to ensure that the actual customer is the person making the request. If no phone number is on file or the user chooses “Security Questions”, we then ask a series of “Out of Wallet” questions from public records, which may include credit report data. As a reminder, the only option for the Mobile Banking platform is the “Security Questions.”


Online Account Opening

  • What types of deposit accounts can I open online?

    Currently customers and non-customers can apply to open personal checking, Investor Savings, Certificates of Deposit and Money Management Accounts online.

  • What information do I need to open a deposit account online?

    The following information about you and any joint account holders includes: social security number, driver's license number, and current address. If you're not currently an F&M Trust customer, you'll also need information from your current checking account to fund the new account. This information includes financial institution name, account number, bank routing number and can be found on the front of your check.


Mobile Banking

  • Can I access my accounts from a mobile device (iPhone, iPad, Blackberry)?

    Yes. F&M Trust Mobile Banking is available for your mobile device. Apps are available for iPhone and Android. There is no App for Blackberry at this time, but you can still access Mobile Banking via the Mobile Web platform for Blackberry and other mobile devices such as the iPad and iPod Touch.

  • How do I enroll for mobile banking?

    To enroll in Mobile Banking, you must be enrolled in Online Banking. Once enrolled in Online Banking, simply download the App or enroll via the mobile web platform (depending on the device you are using).

  • Where do I get an app for mobile banking?

    Apps are available for Android and iPhone. You can get the App in the Android Market (for Android) or the App Store (for iPhone).

  • How much does it cost?

    Our Mobile Banking App is free, but your wireless carrier's data and message rates and applicable charges may still apply.

  • How secure is mobile banking?

    Just like our Online Banking, we use the same 128-bit encryption to help keep your information safe and secure. F&M Trust's Mobile Banking App does not store any personal or account information on your mobile device.

  • What can I do with mobile banking?

    With F&M Trust's Mobile Banking you can access your account balances, view and search transaction history, move money between your F&M Trust accounts, and pay bills.

  • What phones or mobile devices are supported by mobile banking?

    The Mobile Banking App is currently only available for Android and iPhone. However, you can access Mobile Banking from any web-enabled mobile device such as Blackberry, iPad and iPod Touch via the mobile web platform.

  • Can I make a deposit using mobile banking?

    Yes, Mobile Xpress Deposit allows you to deposit checks using the Mobile Banking App. Mobile Xpress Deposit is a free service available for iPhone and Android Mobile Banking users.


Personal Checking Accounts

  • How do I get a debit card (Debit MasterCard)?

    If you have already opened your F&M Trust Checking Account, you can request a debit card application by calling us at (888) 264-6116 or by visiting any of our convenient community banking locations. Once your application is completed, it will take approximately 3 business days to receive your debit card by mail.

  • How do I re-order checks?

    To re-order checks, you have several different options.

    1. You can order on-line by clicking on the “Check Order” link in our Online Banking service and follow the easy do-it-yourself steps.
    2. Mail your re-order form found in your checkbook directly to Deluxe Checks or to us at F&M Trust.
    3. You can stop by any of our convenient community office locations and one of our employees would be happy to assist you.


Personal Savings Accounts

  • Are the funds in my savings or money management account FDIC-insured?

    Yes, up to $250,000. For more information about temporary FDIC insurance coverage of transaction accounts, visit www.fdic.gov.

  • How can I get set-up for Direct Deposit?

    To set up Direct Deposit, simply provide your payroll office with the following information:

    1. F&M Trust, PO Box 6010, Chambersburg, PA 17201
    2. The bank's Routing & Transit
    3. Your Account Number
    4. Indicate Savings or Checking
    5. Or stop by one of our community office locations for assistance

    If you receive government funds (i.e. Social Security, SSI), you can stop by one of our convenient office locations and one of our employees would be happy to complete the paperwork for you.


Personal Loans


ATM/Debit Cards

  • Can I use the YourWay Card (ATM/Debit MasterCard) for purchases only?

    Yes. While your YourWay Card allows you to make purchases as well as transactions at ATMs, you can request that your card is available to make purchases only. Please contact the nearest F&M Trust community banking office for assistance.

  • How can I get a YourWay Card (ATM/Debit MasterCard)?

    You can complete an application at any F&M Trust community banking location. And with our expedited issuance, you can get the card in just a few days.

  • How does an ATM/Debit Card work?

    An ATM/Debit card works like a credit card to make purchases wherever MasterCard is accepted. You can choose to sign for your purchase or enter you PIN. The card also works like a check, since all purchases are deducted from your primary checking account. And the card allows you to make ATM transactions -balance inquiries, withdrawals, transfers and more.

  • How is an ATM/Debit Card different than a credit card?

    While an ATM/Debit card is processed through the MasterCard system, it is not a credit card. The card works like a check - you're using your money. All debit card purchases are deducted from your primary checking account instead of accessing a line of credit as they would in a credit card purchase.

  • What account security measures are in place on my card?

    Your card has several security features. For example, you'll receive a Personal Identification Number (PIN) when you receive your new ATM/Debit card. This private number is coded to access your card number only and gives you the added security against anyone else using your card. It's just one more step we take to ensure your safety while you enjoy the convenience of using your new Freedom Card - ATM /Debit MasterCard.

  • How do I report a lost or stolen ATM/Debit Card?

    If you card is lost or stolen, contact the bank immediately at the appropriate number:

    • To report a lost or stolen YourWay Card (Debit MasterCard) during regular banking hours, call – (888) 264-6116
    • To report a lost or stolen YourWay Card (Debit MasterCard) after hours, call – (800) 236-2442

    Please visit the nearest F&M Trust community banking location or call (888) 264-6116 to request a new card.

  • Can I use my ATM/Debit Card in a foreign country?

    Yes, you can use your debit card while traveling outside the United States. However, to prevent fraud certain countries have been blocked. Please contact our data operations/debit card processing area to ensure that your card will be accessible in the countries that you are planning to visit.

  • My ATM/Debit Card is going to expire soon. Do I need to to anything?

    You should receive your new card in the mail about 2-3 weeks before your current card expires. Your card is valid through the end of the month that appears on the front of your card. If you don't receive your new card within two weeks of your card's expiration, or if your card has already expired, please call us at (888) 264-6116.

  • How do I get a replacement for a damaged ATM/Debit Card?

    If your ATM/Debit Card is damaged or not functioning properly, you may order a replacement card. Please visit the nearest F&M Trust community banking office or call us at (888) 264-6116. You will receive a new card within 5-7 business days. Or, you may pick-up your new card within 2 business days at an F&M Trust office through expedited issuance. You can continue to use the same PIN you are currently using with your damaged card.


Business Savings Accounts

  • Are my funds FDIC-insured?

    Yes, up to $250,000. For more information about temporary FDIC insurance coverage of transaction accounts, visit www.fdic.gov.

  • How can I set up Direct Deposit?

    To set up Direct Deposit, simply provide your payroll office with the following information:

    1. F&M Trust, PO Box 6010, Chambersburg, PA 17201
    2. Routing & Transit Number
    3. Your Account Number
    4. Indicate Savings or Checking
    5. Or stop by one of our community office locations for assistance

    If you receive government funds (i.e. Social Security, SSI), you can stop by one of our convenient office locations and one of our employees would be happy to complete the paperwork for you.


Business Loans


Switch Kit



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