The Farmers and Merchants Trust Company of Chambersburg opened its doors on February 5, 1906 in a small front room located on the Memorial Square in Chambersburg.
F&M Trust moved to the south side of the National Bank (located across the street from Memorial Square office) in 1908. The building was home to two banks: F&M Trust was located in the southern half and the National Bank in the northern half. The annual rent for this building, which included all banking facilities from janitor to vault, was $2,000.
The traditional way of banking was quickly changing. As bank's applied greater utilization of new technology, customers had additional methods of banking placed at their fingertips. F&M Trust installed four automated teller machines (ATMs) later joined the CashStream regional ATM network (which later became MAC, and today is the STAR network) in 1983.
In 2001, the bank launched its web site and online banking service to add to customer convenience and accessibility. Enhancements over the next several years to online banking were added, including online bill pay, Franklin Busine$$Link, online trust access, and online loan applications.
The bank continued to grow with the acquisition of the former Fulton County National Bank & Trust Company in 2006, entering the Fulton and Huntingdon County markets. Community offices in McConnellsburg, Warfordsburg, Hustontown, St. Thomas and Orbisonia were added to the bank's retail delivery network. During the decade, other offices were added in Carlisle, Greencastle, Chambersburg, and Camp Hill. Today there are 25 F&M Trust community banking offices - six of which have Personal Investment Centers, 35 ATMs, and two Investment & Trust Services hubs (Camp Hill and Memorial Square - Chambersburg).
By 1993, as a result of mergers and acquisitions of competitors, F&M Trust became the largest locally-owned and managed community bank in Franklin County. The bank's tremendous growth and success can be attributable to many individuals throughout company's history.
Greencastle Office
518 North Antrim Way, Greencastle
Phone: (717) 597- 2384 | Fax: (717) 597-7615
Drive-up ATM
Lincoln Way East Office
1712 Lincoln Way East, Chambersburg
Phone: (717) 264-9414 | Fax: (717) 261-3675
Drive-up ATM
Marion Office
5293 Main Street, Marion
Phone: (717) 375-2210 | Fax: (717) 375-2930
Drive-up ATM
Memorial Square Office
20 South Main Street, Chambersburg
Phone: (717) 264-6116 | Fax: (717) 264-3415
Drive-up ATM
Menno Village Office
2075 Scotland Avenue, Chambersburg
Phone: (717) 261-3697 | Fax: (717) 261-3666
Walk-up ATM
Mont Alto Office
8 Park Street, Mont Alto
Phone: (717) 749-3161 | Fax: (717) 749-7775
Drive-up ATM
Norland Avenue Office
870 Norland Avenue, Chambersburg
Phone: (717) 262-2085 | Fax: (717) 262-2471
Drive-up ATM
Orchard Park Office
841 Wayne Avenue, Chambersburg
Phone: (717) 263-1801 | Fax: (717) 261-3511
Drive-up ATM
Penn Hall Office
1425 Philadelphia Ave., Chambersburg
Phone: (717) 261-3660 | Fax: (717) 264-8874
Walk-up ATM
