I've been a customer for years with the F & M Bank and they have put me in a predicament where I'm always out of money, in fact it would not suprise me if they actually have helped themselves to my money over the years thru the loan and also excessive overdrafts (this happened as of Dec 2010 to March 2011). They refuse to correct any of this with me and I state this is there way of stealing it from me. I cannot get the type of pay my house payment is based on and they know I'm sometime without a job and I needed the paperwork that the Chambersburg branch sent me for refinancing to be good paperwork to get my payment lowered and if they had done this once I would have done it several times. I'm not exactly a customer.