We Make Banking With F&M Easy.

Fill out an application online and visit one of our branches to complete the process.

Contact a member of our friendly team to learn more about your options and getting started.

F&M Mortgage is a subsidiary of F&M Bank and handles traditional home loans in our area.

Check out our online current rate guide for more information.

  • Wire To: Community Bankers’ Bank, Richmond, VA ABA #0510 0510 6
  • For Credit to: Farmers & Merchants Bank, Timberville, VA, Account #0514 0441 9
  • For Further Credit to: Your Name & Your Account Number

If your Visa check card is lost or stolen, or you suspect fraud on your account, we want to know right away. The card will be de-activated so no one else can use it. This notification is a requirement for you to avoid liability* for unauthorized use. Learn More

Make the switch in 4 easy steps. See More

  • Proof of name and street address, date of birth, and a photocopy of your driver’s license or passport.
  • U.S. persons, please bring your social security number. Foreign persons, please bring your passport number and country of issuance.
  • If you need additional documentation to support your physical address, you may bring a voter registration card or vehicle title. If these items are not available, please contact us for other documentation commonly accepted.
  • For business accounts – Please bring along the documentation listed above for any party with 25% or more equity interest in the business.