Make A Payment Enroll In Online Banking Routing# 051404419 Checking Accounts Cash Reward Checking Cash Back Checking No Frills Checking Visa Check Cards We Have A Checking Account For Everyone. F&M Bank offers checking accounts to meet a variety of your personal banking needs. Choose between the Kasasa Reward Checking, Kasasa Cash Back Checking, or our No Frills Checking account to find an option that works for you. Need some help? Our friendly local team educates you on your options and assists you in finding the right account. Review your options below and call or visit one of our convenient branch locations to speak with an experienced professional today: Cash Reward Checking Cash Back Checking No Frills Checking Ideal For Those looking to grow their checking account balance. Those looking for a simple cash back option. Those looking for a free, standard checking option. Monthly Fee None None None Minimum To Open $10.00 $10.00 $10.00 ATM Fees None None No fee charged by Farmers & Merchants Bank for ATM transactions at other banks’ ATMs. Other ATM Owners may charge a fee Free Checks No No Yes – Your first order of 50 personally imprinted checks are provided free of charge Check Writing Unlimited Unlimited Unlimited Bill Pay Free Online Free Online Free Online Identity Theft Protection Included Free Learn More Included Free Learn More Rewards Earn 1.00% annual percentage yield on balances up to $15,000 0.10% APY on balances over $15,000 depending on balance in account 0.03% APY if qualifications aren’t met Qualifications Information Earn 2% cash back each month on your purchases (up to $8) No category restrictions on purchases. Cash back earned up to $400 in purchases monthly Earn up to $8 cash back per month Qualifications Information None Qualifications Information Sign up today! Sign up today! Sign up today! FDIC Insurance Secures Your Money With F&M Bank. When you bank with F&M your deposits are insured by FDIC for up to $250,000. For customers participating in the Certificate of Deposit Registry Service (CDARS) network, F&M Bank provides coverage up to $50 million. Simplify banking by keeping all your accounts in one location with coverage you can depend on. We Partner With Kasasa To Provide Competitive Banking Options. Our partnership with Kasasa delivers the most competitive checking account options on the market. With rewards you can depend on and free checking no matter your balance, Kasasa checking from F&M Bank is a smart choice when it comes to managing your finances. Compelling Service From Friends & Neighbors Is The F&M Way. We combine web based banking and traditional storefront banking to give our clients the best of both worlds. Manage your accounts online or receive personal service from one of our local professionals to guide you through your banking experience. On-site safe deposit boxes and in-house notary services provide value and convenience as you keep your affairs in order. Are you ready to open your checking account today? Have Questions? Get In Touch540-896-8941 Name Email Phone Choose a location near you* Choose a location near you* Automotive Dealer Division (Penn Laird) Bridgewater Branch Broadway Branch Edinburg Branch Elkton Branch F&M Mortgage Harrisonburg Branch (Coffman's Corner/Port Road) Harrisonburg Branch (Cross Keys Road) Staunton Branch (North Augusta St) Staunton Branch (Myers Corner) Stuarts Draft Branch Timberville Corporate Office Timberville Branch Waynesboro Winchester Woodstock Branch Question or Comment* CAPTCHA Corporate Office P.O. Box 1111 Timberville, VA 22853 Get Directions Office: 540-896-8941 Local Weather Quick Links Checking & Savings Credit Cards Personal Loans Business Loans Mortgages Switch & Save Lost Card Privacy Policy Other Disclosures Stock Quote FMBM 28.79 Manage Accounts Online Banking Login Make A Payment Inquire About A Service Wire Transfer Instructions For Domestic And International Wires Employment Current Openings And Opportunities! Subscribe Newsletter Get latest updates and offers. Sign Up NMLS# 414464 Routing# 051404419 © Copyright F&M Bank | Website Designed & Developed By Estland