Serving Bridgewater for 30 Years

Switch to Local Banking with F&M Bank – Experience Personalized Service and Competitive Rates

With big banks closing their doors, now is the time to choose a banking partner that truly understands your needs. At F&M Bank, we’re here to make your transition easy and rewarding—offering personalized service, local decision-making, and the financial tools you need to thrive.

Competitive Rates & Modern Convenience

Grow your savings with our highly competitive rates and enjoy the convenience of digital banking solutions, including mobile deposits, online bill pay, and access to a nationwide ATM network.

Business Banking Incentive! Earn $250 When You Start a New Business Deposit Relationship

We’re committed to supporting local businesses! Open a new business deposit account with us before June 30, 2025, and receive a $250 welcome credit. Take advantage of our local expertise and personalized service to help your business thrive.*

A True Community Focus

We proudly support local initiatives such as:

River Roos local currency, keeping dollars within our community
Sponsorship of the Sipe Center, bringing arts and entertainment to Bridgewater
Investing in the future through Little League, education programs, and non-profits
The Shenandoah Produce Auction, helping local farmers and businesses thrive with an on-site ATM

Local Decision-Making, Faster Service

Our team is based right here in the Shenandoah Valley, which means quick approvals and personalized financial solutions tailored to your unique needs.

Security & Stability You Can Trust

With over a century of trusted service, F&M Bank offers financial stability and innovative products to help you plan with confidence.

Open a Cash Back Plus Account Today!

Select F&M’s Cash Back Plus Checking and earn high interest on your account balance. Save more, earn more. Enjoy nationwide ATM fee refunds and easy cash back!

Benefits

Earn 1.00% APY on your daily account balance
Earn up to $10 cashback each month.
- Every $200 spent with your F&M Bank debit card, earns $1 back.
Free Nationwide ATM Access
- ATM Fee refunds up to $18 per month
4 Free additional accounts
Free Online & Mobile Banking
Free Visa Debit Card*
Free e-statements ($2 mailed statements)
Free consultation with an F&M Mortgage Advisor
Free consultation with an F&M Financial Services Advisor
$10 minimum deposit to open

Open Today!

This high-powered account can be a free account! How?

Forget the days of needing to meet multiple requirements to benefit from your account; this account only requires one qualifier to receive the benefits of a free account. Satisfy any one (1) of the below actions to avoid the $14.95 monthly fee.

Set up and maintain direct deposit into your Cash Back Plus Checking Account
-or-
Maintain a minimum daily balance of $5,000 or more
-or-
Maintain F&M Savings Account, Money Market Account, or Christmas Club account
-or-
Maintain a personal loan or Home Equity Line of Credit with F&M Bank

*one free debit card is issued per year.

Competitive Money Markets

In today’s high-interest environment, a Money Market Savings Account from F&M Bank can help maximize your earning potential, while offering the security and flexibility of an insured deposit account. A cornerstone of any smart savings strategy, Money Market accounts are effective tools to plan for short-term goals and long-term growth. 

Key Features

Our high-interest Money Market Account comes with a number of perks and benefits:

Accessibility. Write up to six checks per month, monitor your accounts with online and mobile banking, or withdraw funds right from our network of ATMs.
High yields and tiered interest rates. Our elevated interest rates can help you reach your savings goals faster. With tiered interest, enjoy a higher APR the more you save.
Low opening deposit and balance requirements. Open an account with only $10 and avoid monthly service fees when you maintain an average daily balance of only $1,000.

An Essential Part of Your Saving and Investment Strategy

The best financial strategies use a constellation of tools to meet your financial needs, build your nest egg, and prepare for the future. High-interest money market accounts can play a pivotal role in your money management plan, offering security, growth, and liquidity.

Open Today!

Looking for secure savings options In the Shenandoah Valley? With our Money Market account, enjoy high-interest returns paired with the assurance of working with a trusted, local bank.

Opening a Money Market Account is easy and convenient at F&M Bank. Open your account online or visit our Bridgewater branch today for personalized advice and one-on-one service. 

Ashley McClure

Vice President, Branch Manager

Bobby Williams

Senior Vice President; Agriculture and Rural Programs Leader

Katherine Preston

Senior Vice President; Valley Market Executive

Veronica Amato

Senior Mortgage Advisor

Open an Account

FDIC Coverage Secures Your Accounts.

Banking with F&M Bank comes with a $250,000 FDIC guarantee insuring your deposits are secure. For customers needing more coverage, F&M Bank provides coverage for up to $50 million with participation in our CDARS network for bank CDs. Keep all your money in one location with security you can feel good about. Ready to learn more? Access FDIC here!

F&M Bank Prioritizes Local Business In Our Community.

We value the community we call home and are deeply committed to fueling economic growth in the Shenandoah Valley and beyond. Since 1908, we’ve provided banking options and financial tools to give our customers the modern amenities you need to bank local and stay competitive. From interest bearing savings accounts to merchant services, we provide the banking support you need in the community where you work. Contact a member of our team to open your business checking account today.

*Offer valid for new business clients only. Businesses with an existing deposit relationship with F&M Bank are not eligible. New deposit accounts must maintain an average balance of $5,000, remain open and in good standing for 120 days to receive the welcome bonus. Account must open and fund before 6/30/25.