Since 1946, when it introduced itself to Tulsa, the F&M Bank & Trust Company has been locally owned and operated to serve its community. It now operates in eight full-service locations in Tulsa and Owasso. For its customers, F&M offers 24-hour online banking, banking by phone, personal checking and savings accounts, personal loans, credit, ATM and check cards, mortgages, foreign exchange and fees, rules and regulations. F&M also helps businesses with business checking, savings, loans and financing and treasury management. With the banks international services, customers are offered foreign exchange, foreign collections and letters of credit. The F&M Bank is affiliated with F&M Mortgage, OKStocks.com, Adams Hall Investment Management and Wells Nelson & Associates. The bank remains headquartered in Tulsa.