FAQs

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

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

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

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

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

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

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

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.

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.

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

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. 

You can enroll by visiting here. 

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.

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.

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.

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.

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.

We offer a range of business checking and savings accounts designed to support companies of all sizes. Compare our checking account offerings. 

You can open a business bank account by visiting a local branch or starting the process online.

To open a business account, you’ll typically need your Employer Identification Number (EIN) or Social Security number, business formation documents, and a valid government-issued ID. Additional documentation may be required depending on your business structure, such as operating agreements or partnership documents.

Yes, we offer a variety of business financing options, including term loans and lines of credit. These solutions can help with working capital, equipment purchases, expansion, or managing cash flow. Our lending team works with you to understand your needs and structure financing that fits your business.

A business loan provides a lump sum of funds that is repaid over time with fixed payments. A line of credit, on the other hand, allows you to borrow as needed up to a set limit and only pay interest on the amount used. Lines of credit are often used for ongoing or short-term expenses.

We offer cash management and treasury services designed to help businesses manage cash flow efficiently. These may include online account access, ACH and wire transfers, remote deposit capture, and fraud protection tools such as positive pay. Our solutions are tailored to streamline operations and give you greater control over your finances. 

Yes, we offer merchant services that allow your business to accept payments securely and conveniently. This may include credit card processing, point-of-sale solutions, and online payment options. Our goal is to help you provide a smooth payment experience for your customers.

Yes, you can access your business accounts through secure online and mobile banking platforms. These tools allow you to check balances, transfer funds, pay bills, and monitor transactions anytime. Digital access helps you stay connected to your finances wherever your business takes you.

Protecting your business starts with strong internal controls and secure banking tools. We recommend using multi-factor authentication, regularly monitoring accounts, and training employees to recognize scams. We also offer fraud prevention services and alerts to help detect suspicious activity early and safeguard your business. Learn more about business cybersecurity.

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.