You can get a checking account anywhere. But at F&M Bank, you can choose the account that best meets your needs. Our individualized checking accounts are part of the personalized service we’ve been providing to Shenandoah Valley communities since 1908. Compare checking accounts below to discover the best one for you.

Kasasa Cash® Checking

Free checking with rewards that matter is a real thing at F&M Bank. Choose free Kasasa Cash® checking, and earn up to 2.01% Annual Percentage Yield (APY) on your balance.

Free Kasasa Cash Back® Checking

We’ll pay you to go shopping. Seriously! Choose free Kasasa Cash Back® checking and earn 2% cash back (up to $8)* on your check purchases each month.

Regular Checking

Stop paying extra for your checking account! With our Regular Checking account, you get the features you need, no strings attached.

Learn more about our various checking account options

Contact us today, speak with a helpful professional at our branches in Harrisonburg or Staunton, or visit your local branch in Augusta, Page, Rockingham, or Shenandoah county. Our friendly employees can help you find the checking account that fits your lifestyle.

FDIC Insurance - Expanded Coverage Up to $50 Million

FDIC Insurance coverage is an important benefit of banking with Farmers & Merchants Bank. You can rest assured that your deposits are safe and secure. Click here to visit the FDIC website and learn more about how your deposits are insured.

Some customers need more coverage than the $250,000 per bank provided by FDIC. Farmers & Merchants Bank provides full FDIC insurance coverage up to $50 million through participation in the CDARS network for bank CD’s (Certificate of Deposit Registry Service). You don’t need to open accounts at multiple banks for expanded coverage; open all your accounts here and simplify your finances