Branch Lobbies By Appointment

Effective March 18th until further notice, we have temporarily transitioned our bank branches to primarily drive-thru services. 

F&M Bank employees will wear face coverings in accordance with Virginia’s Executive Order 63. F&M Bank will provide face coverings for employees, clients, vendors, and visitors when necessary. Please take note of social distancing measures in place at our locations. Thank you for helping us keep our employees and customers safe.

Bank from the comfort of your own space with online and mobile banking. Enroll here. To meet with a banker, please contact your preferred location to make an appointment.

Small Business (SBA) Disaster Assistance

The U.S. Small Business Administration is offering low-interest federal disaster loans for working capital to small businesses suffering substantial economic injury as a result of the Coronavirus (COVID-19).

Which Loan Option is Right for You? (EIDL or PPP)

SBA Economic Injury Application

Obtaining a PPP loan was the first step. We are here to assist you in preparing your application for forgiveness.

Apply for Forgiveness

For additional details, please reach out to your banker. We are here to help!

Help with Payments & Cash Flow

Loan payment deferral options:

  • Residential Mortgages
  • Business loans and lines of credit
  • Consumer loans and lines of credit
  • Credit cards
  • Auto loans

If you’re experiencing financial uncertainty related to COVID-19, we can work with you on solutions. Currently, we have waived early withdrawal fees on certificates of deposit to help with cash flow.

For additional information, contact your preferred branch or location.

Updated November 9, 2020. Please visit frequently for updated information.


Banking Options to Stay Connected

Online Banking (check balances, pay bills, transfer money between accounts, and manage alerts)

Mobile App (deposit checks, check balances, pay bills, transfer money between accounts, and manage alerts)

ATMs (get cash, check balances – often without even having to leave your car)

If you need help setting up online or mobile banking, please visit those topics on our website, call your preferred location or email us. Connect with us on Facebook or Twitter for the latest information.


Watch out for Corona-Criminals

In a time of uncertainty and isolation we are all reaching for more information, especially from respected institutions such as the Centers for Disease Control (CDC), the World Health Organization (WHO) and respected hospitals and research facilities. But unfortunately cybercriminals are using the names of these institutions to lure unsuspecting individuals into fake offers, giving out personal information, and clicking on download links that can infect their computers. >>Read more.


Financial Tips for Unexpected Situations

Here are some tips for planning for an unexpected situation:

  1. Setup online and mobile banking options. You should also keep your bank’s client contact center number handy (540-896-8941).
  2. Setup an emergency fund.
  3. Protect yourself and your assets with adequate insurance (health, life, auto, and homeowner).
  4. Get a safe deposit box for your most important documents.
  5. Setup direct deposit with your employer. You will need your bank’s routing number (F&M’s: 051404419) and your bank account number to do so.