• Main Office: (706) 846-8415
  • Loan Production Office: (706) 660-6877
Banking on Experience

Additional Services

Night Deposit Service

Customers can deposit their daily cash, checks and loan payments outside of banking hours. The bank collects the deposits and credits them to the customer’s account on the following business day.

  • Include a deposit slip or payment coupon with your name and account number on it.
  • Place your deposit or payment in an envelope provided at the night depository.
  • All items must be placed in the night depository before 8:30 a.m. to receive same day credit. All items placed after 8:30 a.m. will be credited the next business day.
  • All items placed in the night depository on Saturday will be credited on the following Monday.

Safe Deposit Boxes

  • Safe Deposit Box rental is available at a nominal annual fee.
  • Secure valuables in locked vaults.
  • Your box is always accessible during normal lobby hours.
  • Box sizes (check with a bank representative for availability and pricing)
    • 3x5
    • 3x10
    • 5x10
    • 10x10

Cashier’s Checks

A cashier’s check is an official F&M Bank and Trust Company check signed by an authorized employee.

Additional fees apply

Money Orders

Need to pay bills and do not want to write a check? MoneyGram® money orders are available to our customers and non-customers.

Additional fees apply

Notary Service

Signatures witnessed or guaranteed (documents must be signed in the presence of the notary)
Valid photo ID required

Additional fees apply

Account Balancing

Need help balancing your account? Let a trained staff member teach you how.

Account Research

Need a copy of something on a past statement? Need copies of old statements? Contact a bank representative and let us do the research for you.

Additional fees apply

Fax Services

We can send or receive facsimiles for you. Our fax number is (706) 846-8419

Additional fees apply

Coin Counting

  • Save time from counting and rolling your spare change.
  • Clean, dry coins can be processed by our Automatic coin Machine at no cost to our customers.
  • Additional fees apply to all non-customers using the coin machine.

Cash Advances

  • Credit card cash advances( VISA, MasterCard and Discover)
  • Social Security cash advances
  • Child Support cash advances

Additional fees apply

Copies for Customers

We can make copies of documents for you.

Additional fees apply

Stop Payments

Need to stop a check from clearing your account. Place a Stop Payment?

  • Call or come in the bank to sign a stop payment form.
  • If you are an online banking customer, place the stop payment online.
  • Phone or online stop payments must be confirmed in writing within 14 days.
  • Signed stop payments are good for 6 months.

Additional fees apply

Temporary Checks

Forgot to order checks? Come by the bank and we will print you a pack of temporary checks to last until you receive your checks.

If you would like to use Temporary Checks instead of ordering a box of checks additional fees apply.

Foreign Currencies

Going out of the Country? You can order foreign currency through us! Call a bank representative today to obtain the exchange rate.

Orders are usually received within 5 to 7 business days.

Additional fees apply