checking icon

Checking & Savings - No Monthly Fees

Low minimum balances and free checking and savings give you options for personal and business accounts. Personal | Business

credit rating icon

Financial Health Suite

A powerful set of tools designed to help you monitor your credit score, protect your identity, and oversee your subscriptions - all in one place!
Mobile | Online

loan rates icon

Great Loan Rates & Options

We work with you to get the loan you need with the payment plan you can afford.
Personal | Business

Keep up to date with the latest F&M news and community activities!

Welcome to F&M

The people at F&M Bank create value in every service we offer and product we sell. From comprehensive personal and commercial banking to loan options for individuals and businesses, our team is committed to building brighter futures in the community we call home.

Personalized attention with customizable solutions is the advantage to working with F&M Bank for your personal and business needs. In-house decision making simplifies loan applications and local financial planners understand the community they serve. Get started now!

Our competitive rates allow you to plan for your future. Get started now!

Contact one of our conveniently located branches toย get started now!

mobile dashboard

Mobile Banking

Made Easy

Easy Deposits On The Go

Process deposits securely through our online banking platform.

Transfer Funds In Seconds

Conveniently pay bills, send money to a friend, and transfer money within your account from your phone or tablet.

Banking In Your Pocket

Manage your accounts from anywhere in the world on any device.

Download Our App

app store mobile app google play app
man holding bottle of wine at barren ridge vineyards

โ€œ

One of the best decisions we made
at Barren Ridge Vineyards was to select
F&M Bank as our financial partner.

- Barren Ridge Vineyards

Read All Testimonials
nielsen builders testimonial

โ€œ

F&M Bank was the financial institution
to best handle our needs.

- John W. Morsch

Chief Financial Officer
Nielsen Builders, Inc

man holding bottle of wine at barren ridge vineyards

We Love
F&M Bank

โ€œ

One of the best decisions we made at Barren Ridge Vineyards was to select F&M Bank as our financial partner. We have found F&M Bank to be everything a local bank should be: a bank that heard our story and believed in and supported our vision.

- Barren Ridge Vineyards

Read All Testimonials
nielsen builders testimonial

We Love
F&M Bank

โ€œ

Nielsen was searching for a new bank to partner with long term for our financing, cash management and investment advisory services and we were pleased that F & M Bank was the financial institution to best handle our needs.

- John W. Morsch

Chief Financial Officer
Nielsen Builders, Inc

Recent News

Little boy and father with savings for education at home

Saving for College in the Shenandoah Valley: Is a 529 Plan Right for Your Family?

Raising your family in the Shenandoah Valley comes with no shortage of fresh air, mountain views, and a strong community that you can rely on. But whenโ€ฆ
macro photo of federal reserve system symbol on hundred dollar bill.

What Is the Federal Reserve? A Simple Guide to the Fed and Finances

Youโ€™ve probably heard the phrase โ€œThe Federal Reserve raised interest ratesโ€ or โ€œThe Fed is watching inflationโ€ in the news. But what exactlyโ€ฆ
Patrick Bankemper

F&M Bank Welcomes Patrick Bankemper and Announces Leadership Expansion in Winchester Market

Winchester, VA โ€“ F&M Bank is pleased to announce the addition of Patrick Bankemper as Commercial Banking Relationship Manager to our Winchester team.โ€ฆ

Have Questions? Get In Touch

phone icon540-896-8941
FDIC-Insured - Backed by the full faith and credit of the U.S. Government