F&M Trust

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20 S Main St
Chambersburg, PA 17201

F&M Trust is a community bank located in South Central Pennsylvania, dedicated to providing personalized financial solutions for individuals and businesses alike. With over a century of experience, they offer a range of services, including personal banking, commercial services, and wealth management, designed to meet the diverse needs of their customers.

Emphasizing accessibility and convenience, F&M Trust aims to facilitate better financial conversations and decisions for everyone, from busy professionals to families. Their commitment to community values and customer-centric banking sets them apart as a trusted financial partner in the region.

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2.56 reviews
Photo of Paula R.
Paula R.
12/15/2025

My son was purchasing his first house and dealt with mortgage loan officer Rita. She was fantastic! She explained everything to him in terms he could understand, and helped him through the process...

David G.
4/6/2023

No reason to bank with them. Overdraft fees. Maintenance fees. Service fees. Don't forget the customer service. Probably better off talking to a wall. Chime is awesome!

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Mr B.
4/1/2019

They get $7k a year in interest on my home loan but can't afford to send me a paper statement for my personal checking... Seems to me an "opt-in" option would be a better way to save money and...

Mark H.
8/16/2021

They suck. The rates are crap, service is crap. They are not competitive. Nobody there knows enough about finances to turn a profit without charging excessive fees to their clients. They hold...

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Willow L.
5/8/2016

We were already customers of F&M Trust and when it came time to buy our first house, we used F&M for our mortgage. It was a no-brainer. We were already happy with this bank and the mortgage...

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