Based in Piedmont, Okla., F&M Bank, n.a. provides an array of products and services. The bank offers a variety of savings accounts, including personal, business, certificates of deposit (CDs) and individual retirement accounts. It is a member of the Federal Deposit Insurance Corporation (FDIC) and is an Equal Housing Lender. F&M Bank, n.a. offers online banking facility that enables customers to pay their bills online, transfer funds between accounts as well as check account balance and transaction history.