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1

Shenandoah Valley Spring Fires: Emergency Donations Needed

As our local fire and rescue departments battle against the raging fires that threaten our communities, it is crucial that we stand united and extend a helping hand. These brave men and women are working around the clock, risking their lives to contain the flames and protect lives and property. F&M Bank has always prioritized […]

3

Filing a Non-Profit Tax Return

Charitable organizations are exempt from paying state and federal income taxes, but that doesnโ€™t mean you donโ€™t have to file anything with the IRS each year. In this article, weโ€™ll explain how to obtain 501(c)(3) status, what information is required for a 501(c)(3) tax return, and how and when to file one. After we cover […]

4

Is A Joint Bank Account Right For You?

Maybe you just got married or moved in with a long-term partner. Or youโ€™re starting a business with other people. Perhaps youโ€™re suddenly in a caregiver role for an aging parent or trying to figure out the easiest way to share spending money with your kid at college. These are all situations in which sharing […]

5

Clean Up Your Credit Score

Whether youโ€™re preparing to apply for a loan or reeling after a credit application rejection, if you are looking to improve your credit, you arenโ€™t alone. According to Experian, about 30% of adults have scores of less than 670โ€”the standard minimum for a conventional home loan approval. The good news is that credit scores are […]

7

F&M Bank to Host VBA Bank Day Student Scholarship Program in March

F&M Bank is excited to partner again with the Virginia Bankers Association Education Foundation (VBA) to offer your seniors a unique scholarship opportunity onย March 19, 2024ย called Bank Day. What is Bank Day? The third Tuesday in March was declared Bank Day by the Virginia General Assembly in 1991.ย  Through this program, high school seniors learn […]

8

6 Key Metrics For Your Small Business

Running a small business can be challenging. Knowing what metrics to track can help you get on the right path and stay there. In this article, weโ€™ll explain the most important metrics you can measure for your small business in Virginia. Track Sales Revenue Knowing how much money youโ€™re bringing in is vital for any […]

9

2024 Shred Day Events at F&M Bank Locations

We’re excited to announce Free Document Shredding Days at select F&M Bank locations this spring and fall. Safeguarding your sensitive personal information is crucial, and we’re here to help you securely dispose of your confidential documents. Mark Your Calendars: Join us for a complimentary document shredding event. Protect yourself against identity theft and fraud by […]

10

Tax Considerations When Buying and Selling Real Estate

Purchasing real estateโ€”whether for your home or other personal use or as an investmentโ€”comes with many complex tax implications. From property taxes youโ€™ll need to pay as part of your mortgage payment to understanding strategies to avoid capital gains on investment property, taxes can make a significant impact on your bottom line or monthly budget. […]