Bank Routing Number

F&M Bank and Trust Company Routing Number

The primary ABA routing number (RTN) for F&M Bank and Trust Company, Hannibal, MO is shown below.

Primary ABA / RTN

281573013

Verify before you send money. This is the bank's primary registered routing number, taken from the FFIEC National Information Center institution record (last refreshed here on October 8, 2026). Banks often use a different routing number for wire transfers than for ACH, and large banks vary it by region; always confirm the correct number on a check or with your bank before initiating a transfer.

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 and Trust Company routing number?

The F&M Bank and Trust Company routing number is 281573013. It is the primary ABA routing transit number registered to F&M Bank and Trust Company, headquartered in Hannibal, MO. 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 and Trust Company wire routing number?

This page lists 281573013, the primary routing number registered to F&M Bank and Trust Company. 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 and Trust Company before sending a wire.

Is ABA number 281573013 the routing number for F&M Bank and Trust Company?

Yes. ABA number 281573013 is the primary routing number registered to F&M Bank and Trust Company. 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 281573013?

Routing number 281573013 belongs to F&M Bank and Trust Company, headquartered in Hannibal, MO. It is the bank's primary ABA routing number (FDIC certificate 30595).

Routing numbers of similar-size institutions in Missouri

Bank, Hannibal, MO: HNB National Bank: 081500480
Credit union, Hannibal, MO: Community First Credit Union: 281580695
Credit union, Hannibal, MO: Northeast Regional Credit Union: 281580705
Credit union, Saint Louis, MO: Century Credit Union: 281081000
Bank, Springfield, MO: State Bank of Southwest Missouri: 086505545
Bank, Charleston, MO: Citizens' Bank of Charleston: 081518524
Bank, Butler, MO: Citizens Bank: 101217514
Bank, Saint Charles, MO: New Frontier Bank: 081018956

All routing numbers in Missouri

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Regulator records: FDIC BankFind (cert 30595) · FFIEC NIC profile (RSSD 413673)