Non-Profit Checking

We support your mission with a high-value checking account.

Nonprofits make our Shenandoah Valley, Virginia, communities better and stronger. Whether your organization is involved in education, social services, the arts or another endeavor, F&M Bank supports your efforts with a wealth of money management services.

At F&M Bank, communities come first. We call it our Local Promise.

Our culture prioritizes family, volunteerism and support of local nonprofits. We encourage team members to get involved and support community initiatives they’re passionate about. F&M Bank contributes time and resources as well – today, our commitment has never been stronger.

We also show our commitment with a non-profit checking account that provides interest payments and ongoing support through Treasury Management solutions, time-saving technology and other services. Additionally, Local Promise -- in partnership with the Association of Fundraising Professionals -- supports 501(c)(3) corporations and all nonprofits with free training, networking and information sharing.

Convenience Services: Unlimited check-writing, unlimited monthly transactions, weekend and overnight deposits, and first 50 checks are free.
Time-Saving Technology: Free Online Banking, Mobile Banking and Text Banking. Free electronic Bill Pay, mobile check deposit and Person-to-Person (P2P) Payments.
Treasury Management: Free payroll services; ACH Origination for electronic payment processing; and Remote Deposit Capture that allows organizations to make check deposits directly from their offices.

Merchant Services: Receive discounted interchange rates for Visa, Mastercard and Discover credit card purchases. F&M Bank will waive your setup fee.
Insured Cash Sweep (ICS): Put your cash reserves to work by having funds swept into FDIC-insured accounts where they earn competitive interest.
Free Wealth Management Consultation: F&M Bank Financial Services can provide insights about our 529 Employer Sponsored Plan.**
$500 off loan closing costs: Loan must close with F&M Mortgage. Proof of nonprofit board or staff affiliation must be provided.

Interest Earnings

Our non-profit bank account offers a tiered rate system that pays higher returns on bigger balances.

* Standard messaging rates may apply, please check with your mobile carrier.

** Insurance products are not deposits or other obligations of, or guaranteed by a depository institution or its affiliates, and are not insured by the FDIC or any other agency of the United States, a depository institution or its affiliates. May lose value.
***Annual Percentage Yield.

iOS and Android Users

Download the F&M Bank app on your mobile device.

Did You Know?

F&M Bank is proud to serve as the regionally exclusive affinity banking partner of the James Madison University Alumni Association, extending benefits to alumni, university employees, board members, and the broader JMU community.

Founded in 1908, like James Madison University, F&M Bank shares a long-standing commitment to strengthening the communities we serve. This partnership reflects a shared focus on connection, growth, and long-term impact.

As a dedicated Purple Partner, F&M Bank engages with students, alumni, faculty, and staff through campus events, and educational opportunities, building meaningful relationships on campus and beyond.

Explore more of F&M Bank’s community involvement, including local partnerships, volunteer efforts, and charitable initiatives that support the communities we serve.

Our Local Impact