Classic Visa and Visa Gold

If you want a credit card with No Annual Fee and a Low Interest Rate… look no further! F&M Bank offers both Classic Visa and Visa Gold, so we know we have the right one for you. Your Visa account can be accessed and managed online, for free! With Visa Classic, we've made using your card more rewarding. Earn points when you use your Visa Classic card, and monitor your Rewards account online. Redeem your points for valuable merchandise and travel. Earn one point for every (net) dollar you charge to your account!

Get program details and access your Rewards account 
score card


Visa Classic and Visa Gold Features:

  • Verified by Visa password protection for online purchases
  • No Annual Fee
  • Low Annual Percentage Rate
  • Low monthly payments
  • Free Balance Transfers
  • Convenience Checks
  • Travel Accident Insurance*
  • Cash available through ATM (Cirrus) Network
  • 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.

These additional benefits available with Visa Gold:

  • Toll-free travel reservation service
  • Bonus travel dividends
  • Auto rental discounts
  • Auto rental insurance*
  • Credit card registration
  • Key registration
  • Travel protection – lost luggage, hotel theft insurance*
  • Medical assistance
  • Vision care
  • Discount pharmacy
  • Personal shopper
  • Concierge service
  • Quarterly newsletter

If you have questions, call us at (540) 896-8941, stop by any branch, or e-mail us at

To Apply: Stop by one of our branches in Staunton, Harrisonburg or throughout the Shenandoah Valley and pick up an application today! Subject to credit approval.

Your Visa card is now protected by Verified by Visa - it password protects your card for free. The next time you shop at participating online stores, enter the information requested to activate your card in order to complete the transaction. Your card will then have password protection whenever you shop online at participating stores. Or, register and activate your Farmers & Merchants Visa card today. Click here to learn all about it and register!


Lost Card

If your Farmers & Merchants credit card is lost or stolen, 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.

During regular banking hours, call any branch of our bank, or the Operations area in Timberville: 1-540-896-8941
After regular banking hours, call this toll-free number: 1-800-325-3678

Your Billing Rights

Click here to read your rights and responsibilities under the Fair Credit Billing

Manage Your Farmers & Merchants Visa Account Online puts you in touch – anytime, anywhere – with information and services that make your Farmers & Merchants Visa credit card more convenient and easier to manage than ever before.

Now with the click of a mouse, you can view important information about your credit card account, including account balances, available credit, current and past statements, and transactions since your last statement. In addition, allows you to make payments via the Internet. No postage and no writing checks; everything is handled electronically. Choose to have your statement received online at no charge. features include:

  • Credit Card Account Summary Information
  • Online Credit Card Statement
  • Download data to financial software, such as Quicken or Money
  • Online Credit Card Payments
  • Transaction and Spending Reports
  • E-Mail notifications of conditions or events on your account
  • Customer Service Features

Telephone Account Information: 
During banking hours, call the Timberville headquarters of the bank at 540-896-8941 and we can give you information on your credit card account. 
For 24-hour a day access to account information, call toll-free 1-800-423-7503 (this number is also printed on the back of your credit card).

Manage your Visa Classic Scorecard Rewards online is the place for instant access to your points status and to redeem your points for valuable merchandise and travel rewards. Just “create a profile” to get started

*Insurance products are: