Personal Checking
Personal Savings
Personal Loans
Prestige Banking
Credit, ATM & CheckCard
E-Statement Delivery
NetBanc24
PhoneBanc24
Foreign Exchange

Personal Loans
With a wide range of personal loan options, F&M Bank can readily set up the type of loan that best fits your needs. Whether you are looking for new home financing or a home improvement loan, a car loan, or to set up an emergency fund, we can handle a loan that is tailored for you.

Home Equity Loans/Lines of Credit

  • If you are a homeowner, you can use the equity in your home for a loan or line of credit that will help with home improvements, unexpected expenses, buying a car or just consolidating bills. F&M offers Home Equity Loans with the opportunity for rates lower than most other types of loans.
  • Please call 918-748-4000 for more information.
Mortgage Services
  • F&M Mortgage is the Residential Lending department of The F&M Bank & Trust Company.
  • Whether you are buying or refinancing your home, we offer personalized options designed to meet your needs.
  • We have Mortgage Service offices available in Tulsa, Owasso, and Broken Arrow.
SafetyNet
  • SafetyNet provides "worry-free" checking to prevent ever having an insufficient check returned.
  • F&M Bank's SafetyNet program can be added to any personal checking account to provide 24/7 protection against overdrawing your account.
  • SafetyNet automatically covers any insufficient balance in your transaction account up to the available amount of your predetermined credit limit in $100 increments.
  • To apply for SafetyNet, you have three options:
    1. Return your application to any of our financial center locations.
    2. Fax a completed application to 918-748-4160, attn: SafetyNet.
    3. Mail a complete application to F&M Bank, C/O Personal Lending, P.O. Box 4500, Tulsa, OK, 74159-0500.

Rewards Checking
Better Than Free!  Introducing Rewards Checking. It's checking for savers, and it's only at F&M Bank. more>>

E-Statement Delivery

Your paper statements are replaced with electronic versions that you can download, save or print. more>>

Switch Kit

F&M's quick Switch kit can get you up and running with your new account in no time. Find out how now! more>>
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Customer Service and Account Information for all branches may be reached at 918-748-4100 or access account information anytime through PhoneBanc24 at 918-748-4300 and online through NetBanc24.