Banking the Elkton Community Since 1908

F&M Bank has been your community’s leading financial partner since 1908. We keep our initiatives local and believe in ‘grass root’ efforts to provide tomorrow’s best banking to our neighbors today. If you have a financial need or would like to know more about what it means to bank locally, please stop by your neighborhood branch or give us a call.

 

Personal Banking

F&M Bank delivers comprehensive banking services to the Shenandoah Valley community and beyond. With local decision makers streamlining the process, our friendly team treats each customer like family. Our services include:

Put interest back into your savings with a high-yield Money Market Savings Account from F&M Bank. The interest-bearing account is a great, low-risk option that offers benefits typical of both a checking and savings account. The interest rate on money markets accounts is typically higher than that of a savings account and you, as the account holder, also have limited* check writing ability. Open an account with only $10! View current rates.

Teresa Helmick

Teresa Helmick

Vice President; Branch Manager

NMLS# 494617

Tonja Showalter

Tonja Showalter

Senior Mortgage Advisor

NMLS# 510632

Elevate your banking experience with tailored, and personal support from our seasoned professionals. Meet the next member of your team when you work with one of our local bankers who offer sound advice so you can stay focused on running your business.

 

Business Banking

We believe every local business, large and small deserves success and stability. We support you with services including:

We Foster Accounts For All Businesses And Nonprofits.

Free checkingcorporate checking, a not-for-profit checking suite, and cash management systems are just a few of the services we offer to area businesses. Are you creating a local nonprofit to help members in our community? We’ve got you covered with cost effective ways to save your money and invest it in your future.

Katherine Preston

Katherine Preston

Senior Vice President; Valley Market Executive

NMLS# 476100

Natalie Strickler-Alt

Natalie Strickler-Alt

Senior Vice President; Northern Area Market Manager

NMLS# 494630

Bobby Williams

Bobby Williams

Senior Vice President; Agriculture & Rural Programs Leader

NMLS# 1122416

*Limited check writing. Rates are subject to change after the account is opened. Fees may reduce earnings on the account. A $10.00 deposit is required to open this account. A monthly service fee of $10.00 will be imposed monthly on the statement cycle if the average daily balance for the monthly statement cycle falls below $1,000.00. Account restrictions apply, please see a bank service representative for details. Rates subject to change.