F and M Bank provides checking and savings accounts and personal and business loans. The bank offers several mortgage and loan options for the purchase of vehicles and homes. It provides online banking, money management, financial consultation, and trust and estate planning services. In addition, F and M Bank offers debit, credit and gift cards. It also provides certificates of deposit and various retirement plan solutions. F and M Bank offers cash management services that include managing automated payments and collections, escrow accounts and lockboxes. Additionally, the bank provides check cards for its individual and business clients throughout the state of Iowa. F and M Bank is a member of the Federal Deposit Insurance Corporation. The bank also supports several civic, educational and service activities through monetary donations.