Personal Banking FAQs

Have questions?

Banking should feel simple, straightforward, and personal. Whether you’re opening your first account, managing your day-to-day finances, or exploring digital banking tools, we’re here to guide you every step of the way. Browse our frequently asked questions below, and don’t hesitate to reach out to our team if you need a hand.

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We've got your common personal banking questions answered.

Personal Banking

What are your branch hours?

Hours vary by location. Visit our website or search your nearest F&M Bank branch for specific hours and holiday closures.

How do I open a checking or savings account?

You can open an account online or by visiting any of our branch locations. Bring a government-issued ID and your Social Security number.

Where are your ATMs located?

F&M Bank ATMs are conveniently located at all branch locations. Visit our website or use our mobile app to find one near you.

Do you offer mobile banking?

Yes! Our mobile banking app allows you to check balances, transfer funds, deposit checks, and more—anytime, anywhere.

What should I do if my debit card is lost or stolen?

Please call our customer service immediately at (540) 896-8941, or disable your card through online banking or our mobile app.

How can I reset my online banking password?

Click "Forgotten Password" on the login screen or call our support team for assistance.

Are my deposits FDIC insured?

Yes. All deposits held with F&M Bank are FDIC insured up to the maximum allowed by law.

What is a cashier’s check and how do I get one?

A cashier’s check is a secure form of payment guaranteed by the bank, often used for large transactions like home purchases. To request one, visit any branch with valid ID and collected funds in your account. Fees may apply.

How do I place a stop payment on a check?

You can request a stop payment through online banking, our mobile app, or by calling your local branch. You’ll need the check number, amount, and payee details. Stop payment fees may apply.

How long does a stop payment last?

Stop payments typically remain in effect for six months. You can renew or cancel them anytime by contacting the bank.

Digital Banking

What is digital banking?

Digital banking allows you to manage your accounts online or through a mobile app without needing to visit a branch. You can check balances, transfer money, pay bills, deposit checks, and more, all from your computer or smartphone.

How do I enroll in online banking?

You can enroll by visiting here.

Is there a mobile banking app available?

Yes, we offer a mobile banking app that allows you to securely manage your accounts on the go. The app is available for download on both iOS and Android devices.

Can I deposit checks using my phone?

Yes, you can deposit checks using your smartphone through our mobile banking app. Simply take a photo of the front and back of the check and follow the on-screen instructions.

Can I transfer money between accounts or to other people?

Yes, you can easily transfer money between your accounts and, in many cases, send money to others using available transfer services. Options may include internal transfers, external transfers, or person-to-person payments.

How do I set up alerts and notifications?

You can set up account alerts within online or mobile banking. Simply log in, navigate to your settings or alerts section, and choose the notifications you’d like to receive, such as balance updates, transaction alerts, or payment reminders.

Is digital banking available 24/7?

Yes, digital banking is available 24/7, giving you access to your accounts whenever it’s convenient for you. Some transactions may be subject to processing times or cutoff hours.

Cybersecurity

How does the bank protect my personal and financial information?

We use a combination of advanced security measures, including encryption, firewalls, and fraud monitoring systems, to help protect your information. We also continuously monitor accounts for unusual activity and work to prevent unauthorized access.

What should I do if I suspect fraud on my account?

If you notice any suspicious activity, contact us immediately. The sooner we’re aware, the faster we can take action to secure your account, investigate the issue, and help prevent further unauthorized transactions.

How can I recognize phishing or scam attempts?

Phishing scams often appear as emails, texts, or phone calls that try to trick you into providing personal information. Be cautious of messages that create urgency, ask for sensitive details, or contain unfamiliar links. Always verify the source before responding. Review our blog for more information.

Will the bank ever ask for my password or secure information?

No, we will never ask for your password, PIN, or full security credentials through email, text, or unsolicited phone calls. If you receive a request like this, it is likely a scam.

How can I protect my accounts from unauthorized access?

Use strong, unique passwords, enable multi-factor authentication, and avoid using public Wi-Fi for sensitive transactions. Regularly monitor your accounts and update your contact information to ensure you receive important alerts.

What is multi-factor authentication (MFA)?

Multi-factor authentication adds an extra layer of security by requiring more than one form of verification when logging in. This may include a password plus a one-time code sent to your phone or email.