Business Checking
Business Savings
Business Loans/Financing
Credit, ATM & CheckCard
Remittance Services
Treasury Management
Letter of Credit
A Letter of Credit is issued by a bank to facilitate certain business transactions. We issue two types of Letters of Credit.

Commercial (import) Letters of Credit, most frequently used in international trade for import transactions, facilitates the purchase of sales of merchandise by guaranteeing that the seller will receive payment if the buyer receives the merchandise as specified in the contract.

Standby Letters of Credit, most frequently used in domestic transactions, is issued to secure a customer's performance or financial obligation to another party. Standby Letters of Credit are not intended to be drawn on, except in the event that the applicant defaults under their obligations to the beneficiary.

We advise and negotiate Export Letters of Credit. We are also available to assist you with understanding the terms of Letters of Credit.

See Account Rules and Regulations

Rewards Checking
Better Than Free!  Introducing Rewards Checking. It's checking for savers, and it's only at F&M Bank. 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>>
Privacy and Security  |  Fees, Rules & Regulations  |  Terms of Use
Customer Service and Account Information for all locations may be reached at (214) 780-2025 or access account information anytime through PhoneBanc24 at (214) 780-2024 and online through NetBanc24.