F&M Bank Routing Number

What is an ABA routing number?

An ABA routing number, also called a routing transit number (RTN), is a 9-digit code that identifies a U.S. financial institution in the payment system. It tells ACH transfers, Fedwire payments, and paper checks which bank to route money to. The format was created by the American Bankers Association in 1910 and is still the backbone of U.S. domestic payments.

What is the difference between a routing number and an account number?

Your routing number identifies the bank; your account number identifies your specific account at that bank. On a paper check, the routing number is the 9-digit number in the bottom-left, and the account number is to its right.

What is the F&M Bank routing number?

The F&M Bank routing number is 103104133. It is the primary ABA routing transit number registered to F&M Bank, headquartered in Edmond, OK. A bank can hold more than one routing number, so this is the one on record for the institution, not necessarily the one printed on every check. The number comes from the FFIEC National Information Center institution record, last refreshed here on October 8, 2026.

What is the F&M Bank wire routing number?

This page lists 103104133, the primary routing number registered to F&M Bank. The record does not say whether the bank uses the same number for wire transfers, and many banks use a separate routing number for domestic wires. Confirm the wire routing number with F&M Bank before sending a wire.

Is ABA number 103104133 the routing number for F&M Bank?

Yes. ABA number 103104133 is the primary routing number registered to F&M Bank. Check it against the routing number on a check or in your online banking before sending an ACH payment, because a bank can use different numbers by region or product.

Which bank uses routing number 103104133?

Routing number 103104133 belongs to F&M Bank, headquartered in Edmond, OK. It is the bank's primary ABA routing number (FDIC certificate 12761).

Routing numbers of similar-size institutions in Oklahoma

Bank, Edmond, OK

Kirkpatrick Bank: 103001469

Bank, Edmond, OK

The Citizens Bank of Edmond: 103002251

Bank, Edmond, OK

Valor Bank: 103112510

Bank, Tulsa, OK

Spiritbank: 103110376

Bank, Oklahoma City, OK

Valliance Bank: 103013017

Bank, Tulsa, OK

Security Bank: 103102216

Bank, Oklahoma City, OK

First Liberty Bank: 103013130

Bank, Oklahoma City, OK

First National Bank of Oklahoma: 103111252

All routing numbers in Oklahoma