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M&F Bank

M&F Bank


Banks & Credit Unions



M&F Bank is a historic independent community bank committed to meeting the needs of a wide range of individuals and businesses within our markets, while providing unparalleled customer service with an above average return for our shareholders.

it has been determined that we have a proven track record of meeting the credit needs of the individuals, businesses and nonprofits in our local communities. M&F is also the only bank in North Carolina to receive the Community Development Financial Institution (CDFI) designation. This represents our dedication to serving and empowering economically distressed communities. 83% of our deposits are redeployed in our local communities in the form of loans.

We pride ourselves on being available. During the COVID-19 pandemic, M&F Bank quickly and efficiently worked to meet the needs of our customers. We provided loan payment deferrals as well as guidance and assistance related to relief options for small businesses. We were able to impact over 1,300 local jobs and 163 local small businesses through our participation in the Paycheck Protection Program.

We know you. We are a small institution with the same capabilities of a large one. The difference is the one-to-one attention that we are able to give. As we like to say, we are big enough to serve you, and small enough to know your name. We invite you to come experience the M&F way, and develop a relationship with an experienced, knowledgeable, and friendly local banker.

Bank with us from near or far. We are well equipped to be your primary bank. We offer convenient digital banking options including a mobile app, online banking, and mobile check deposit, so, even if you are not near a branch or do not wish to visit one, you can still do business with us.

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