Credit Card

Our Visa credit cards reward you with everyday value.

Our Visa Classic features low rates that save you money on interest charges, plus a rewards program that earns you merchandise, event tickets and more. Our Visa Gold offers added advantages with travel benefits, auto rental discounts and other perks for people on the go.

Low interest rates. No annual fees. Added security.

Whether you spend most of your time in the Shenandoah Valley or you enjoy hitting the road and exploring new places, F&M Bank offers a Visa that suits your lifestyle. Both of our cards offer free balance transfers, travel accident insurance and 24-hour anti-fraud and identity theft protection.

Give back with Visa Classic

Earn points with purchases that can be redeemed for tech gadgets, fashionable clothing and more. Plus this low-rate credit card supports the Shenandoah District Church of the Brethren Disaster Ministries. Every time you use this card, 1% of the purchase price is donated to this worthy Virginia organization.

No annual fee
Money-saving interest rates
Free balance transfers

Easy ATM cash withdrawals
Convenient online card management
Login to ScoreCard Rewards to redeem points

Get more with the Visa Gold

Enjoy a long list of perks that makes travel less expensive and more convenient. Plus, even when you're right here in the Shenandoah Valley, you'll enjoy a wide range of consumer benefits.

Toll-free travel reservation services
Auto rental discounts and rental insurance
Lost luggage and hotel theft insurance
Vision care
Discount pharmacy benefits
Personal shopper services

No annual fee
Money-saving interest rates
Free balance transfers
Easy ATM cash withdrawals
Convenient online card management

Manage Your F&M Bank Account Online

Check balances, review purchases, and make payments. MyCardStatement.com puts you in touch – anytime, anywhere – with information and services that make your Visa credit card easier to manage than ever before.

Disclosures

*Interest collected from the day cash advances and balance transfers post to the account. Due date will be at least 25 days after billing cycle. Interest is not charged on purchases if full balance is paid by due date.