F&M Trust

Bank · Chambersburg, United States · overall 5.3 / 10

How this 5.3 is built

Average of 6 scored needs: 5.3. Regulation in United States: 87/100 (World Bank governance indicators). Licence confirmed by a regulator's own list. 2 scores backed by filings or its own pages.

Farmers and Merchants Trust Company of Chambersburg is recorded in the global register as a bank in Chambersburg, United States. The register shows its licence as licensed. Total assets 2.34 bn USD at 2026-06-30. It reports 25 offices. Established 1906. Collected from open registers.

On its own website: “F&M Trust is a community bank that serves South Central Pennsylvania, from Chambersburg to Harrisburg. Start saving money and open an F&M Trust account.”

Legal name: Farmers and Merchants Trust Company of Chambersburg
Licence confirmed: yes, on a regulator's own list
Established: 1906
Website: fmtrust.bank

Scores, 0 to 10

6.5Financial strength & stability

· source

6.0United States

Licensed and operating in its home country per the register entry; the depth of its offer here has not been checked yet. · source

5.5Cross-border payments, FX and multi-currency accounts

Holds a banking licence, so it can hold deposits and run payments; the actual terms have not been checked yet. · source

5.5Lowest fees

The account escapes its monthly charge only on a condition the bank sets, so the price depends on the balance a business keeps. It reads: “No monthly maintenance fee if minimum balance is met” · source

5.0Best interest on business balances

Holds a banking licence, so it can hold deposits and run payments; the actual terms have not been checked yet. · source

5.0Trade, manufacturing & import-export

Holds a banking licence, so it can hold deposits and run payments; the actual terms have not been checked yet. · source

4.5Fast digital onboarding

Holds a banking licence, so it can hold deposits and run payments; the actual terms have not been checked yet. · source

Sources

Built on public information and the BankStore team's own aggregated experience; no confidential client or partner data. Bank Index and BankStore are not banks. This is information, not financial advice.