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Small Business Stories

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DREAM BIG WITH YOUR HOME EQUITY

Enjoy a fixed rate of 0.99% for six months, then as low as Prime + 0.00%!*

Get Started Today!
Family standing outside front of new construction white siding farmhouse in the suburbs

DREAM BIG WITH YOUR HOME EQUITY

Enjoy a fixed rate of 0.99% for six months, then as low as Prime + 0.00%!*

Get Started Today!
SFS Tools and Safety

Small Business Stories

Reflections from Local Business Owners in the Shenandoah Valley

Watch & Listen!
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Checking & Savings - No Monthly Fees

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

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Credit Cards With VIP Perks

Our low interest credit card options allow you make purchases anywhere in the world and get rewarded for shopping. Personal | Business

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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.

Mark Hanna

President and CEO

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 to get started now!

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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

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man holding bottle of wine at barren ridge vineyards

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

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

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

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

How to Avoid a Cash Flow Crisis: A Comprehensive Guide for Virginia Small Business Owners

How To Avoid a Cash Flow Crisis: A Comprehensive Guide for Virginia Small Business Owners

This is part two in a series about cash flow management for small business owners in Virginia. Check out part one, “Cash Flow, Debt, & Refinancing…
Daniel Scott

Press Release: Daniel Scott joins Agricultural and Rural Programs Team

For Immediate Release | November 10, 2021 | Timberville, VA ‐‐ F&M Bank’s executive leadership is pleased to welcome Daniel Scott to its growing…
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How to Open a New Account Online

ONLINE ACCOUNT OPENING  Open a browser and navigate to https://www.fmbankva.com/ If you are an F&M Bank customer with an online banking user…

Have Questions? Get In Touch

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