FDIC-Insured - Backed by the full faith and credit of the U.S. Government
F&M Bank

F&M Bank

Little league practice with dad
Mountain view of Shenandoah Valley.

Your community. 
Your bank.
Our commitment.

Since 1908, F&M Bank has helped people and businesses across the Shenandoah Valley move forward with confidence, combining modern tools with real, local relationships. 



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Navigate Your Financial Journey

Choosing a bank that partners with you to understand your goals and objectives is the first step in navigating your finances.  We're glad you're here!

F&M cards are ready for swipe, tap, or digital wallets.  Learn more about the safety and security of using debit cards.

Banking on the go is the norm.  Stay in touch daily with your money via the F&M Mobile App.


Never underestimate the mental piece of mind in saving for a rainy day. 

Whether it is your first account or you're just in the mood for an upgrade, F&M has an account that will fit your lifestyle.





Financial Health Suite

Manage your money with clarity.

Track spending, monitor credit, and stay in control with tools designed to simplify your financial life.


Tips for living your best financial future.

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Explore Our Convenient Checking Options


Simple, flexible checking options designed to fit your day-to-day needs, paired with digital tools that make managing your money easy, wherever you are. 

Father and daughter working on equipment.

Explore Our Convenient Savings Options


Whether you’re setting aside funds for the future or building a financial cushion, our savings options help you stay on track toward your goals.

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Explore Our Convenient Loan Options


From personal loans to home financing, we offer lending solutions designed to help you move forward with confidence, whatever your next step may be. 

Blue collar man taking notes.

Tools for Your Financial Well-Being


Take control of your finances with tools designed to help you track spending, set goals, and make informed decisions, so you can stay on top of your financial journey.

Hand shake during car purchase.
Financing That Moves You Forward 

Our team provides flexible dealer financing solutions backed by responsive service and local decision-making, helping you close deals with confidence.












Farm view with mountain range background.
Father playing basketball with his son
Grandfather and granddaughter fishing on dock.
Bakery owner

Together

Building Better Communities

We believe local banking should show up beyond the branch. Each year, we support the people, organizations, and causes that keep our communities strong - from schools and nonprofits to small businesses and local events. 

 

150

Organizations Supported

$170k+

Dollars Donated

 

 

 

 

Be in the Know

Stay Connected

Get updates, tips, and community highlights, delivered to your inbox monthly.


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Home Loans Made Simple

Whether you’re buying your first home or your next, our mortgage team is here to guide you through every step with personalized solutions and local support.

Explore Home Loans

Shenandoah Valley Overview

Ag Banking

Agriculture Banking That Understands Your Operation

Whether you’re managing daily expenses or planning for growth, we offer solutions designed to meet the unique needs of agricultural businesses.

Little league practice with dad

Grow Your Career with F&M

Join a team that’s committed to making a difference, both for our customers and our communities. Explore opportunities to grow your career with F&M Bank. 

From Our Blog

Tips for living your best financial future.

3
Business & Ag Insights
Simple Payments, Stronger Businesses
Running a small business means wearing a lot of hats and getting paid shouldn’t be ...
Community & Stories
A Local’s Guide to Shenandoah Valley Sips
From rolling vineyard views to tucked-away taprooms, the Shenandoah Valley and surr...
Borrowing & Lending
Modular Homes: A Complete Guide for Today’s Homebuyers
Updated: April 2026   If you’re exploring homeownership options in today’s market, ...

Questions?

We're here to help.

Visit our full FAQ page for more commonly asked questions.

Contact Support


If your Visa check card is lost or stolen, or you suspect fraud on your account, we want to know right away.
 
Upload your documents quickly and safely using our secure, encrypted file tool. Start your upload to keep your request moving.
 
Find quick answers to common questions about your accounts, services, and tools all in one place. Visit our full FAQ page to explore more and get the clarity you need.
 
Your routing number identifies F&M Bank for transfers, direct deposits, and payments. Use routing number 051404419 whenever you need to send or receive money securely.