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F&M Bank F&M Bank
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Business Details
50+ Years
experience
Your Trusted Financial Partner in Clarksville, TN
F&M Bank, headquartered in Clarksville, Tennessee, has provided modern financial solutions with a commitment to personalized customer service for over 119 years. Established as a family-owned institution in Bumpus Mills, Tennessee, we have grown to manage over $1.6 billion in assets while maintaining our core principle of delivering accessible, community-focused banking. Our locally made decisions ensure customers' investments are reinvested into the communities we serve, fostering economic growth and financial empowerment for individuals and businesses alike.

With sixteen full-service offices across Middle Tennessee and a loan production office in Nashville, we prioritize assembling experienced teams dedicated to helping clients achieve financial success through tailored solutions. Our motto, Banking made easy - on purpose, reflects our mission to simplify financial decisions while maintaining a reputation for trust, reliability, and ethical banking practices.
Services
Personal Checking Accounts Business Checking Accounts Mortgages Home Equity Lines of Credit Business Loans Credit Cards Savings Accounts Wealth Management Merchant Services Remote Deposit Capture
Details
  • Year established: 1906
Highlights and features
  • We provide locally made decisions that reinvest in Tennessee communities.
  • Our 119-year legacy ensures experience-driven financial expertise.
  • We offer personalized service with experienced, personable staff members.
  • Our mobile banking tools enable secure, on-the-go financial management.
  • We prioritize ethical practices with no hidden fees or unclear charges.
Update Listing
Services
Personal Checking Accounts
F&M Bank offers diverse personal checking accounts including fee-free, interest-bearing, and premium options. Our Smart Free Checking provides no monthly fees, while VIP and Performance Checking offer enhanced features. These accounts facilitate daily transactions, online bill pay, mobile banking, and ATM access, ensuring flexibility for everyday financial needs. Customers benefit from local support and tailored solutions to manage personal finances efficiently.
Home Equity Lines of Credit
HELOCs from F&M Bank allow homeowners to leverage equity for projects like home improvements or education. With competitive rates and flexible repayment terms, these revolving credit lines provide accessible funds for major expenses. Our advisors guide clients through application, ensuring transparent terms. Borrowers benefit from local decision-making and community-focused lending practices for quick, personalized approvals.
Business Loans
We offer business loans including equipment financing, lines of credit, and commercial mortgages tailored to Tennessee entrepreneurs. Our locally approved process ensures swift funding with personalized guidance. Services include credit analysis, collateral evaluation, and repayment structuring to match business cycles. Clients access dedicated support for startups, expansions, or operational capital needs within the communities we serve.
Mobile Banking
F&M Banks MobilePlus! App delivers secure banking via smartphones, including account management, bill pay, check deposits, and CardValet security controls. Users monitor balances, transfer funds, and locate ATMs in real-time. Features like Smart Swipe and uChoose Rewards enhance convenience while safeguarding transactions. This platform empowers customers to manage finances anytime, anywhere, with Tennessee-focused customer support available.
Wealth Management
Our wealth management solutions assist clients in building and preserving assets through tailored investment strategies. Services include retirement planning, estate management, and portfolio diversification. We combine local expertise with comprehensive financial tools to address individual and business needs. Personalized consultations ensure clients align their financial goals with sustainable growth and risk-mitigated plans.
Questions
What personal banking services does F&M Bank offer?
F&M Bank provides checking and savings accounts, home equity lines, credit cards, personal loans, and mobile banking tools.
How can I access F&M Bank’s business services?
Visit our Business Banking section for commercial loans, merchant services, remote deposit, and treasury management solutions.
Do you offer 24/7 account access?
Mobile banking and ATMs provide 24/7 access, but branch hours follow standard business schedules.
How do I report a lost debit card?
Call 800-645-4199 during business hours or use Visa Fraud Prevention Center at 800-554-8969 after hours.
Are there any account fees?
Fees vary by account type, with options like Smart Free Checking offering no monthly fees when criteria are met.
What areas does F&M Bank serve?
We serve Middle Tennessee, including Clarksville, Nashville, Dover, Hendersonville, and Springfield, with sixteen full-service offices.