Business Details
About
Bank
F&M’s presence in the Shenandoah Valley region of Virginia goes all the way back to 1908. Throughout our history we have been dedicated to investing in the communities where our customers and employees live and work.
Details
- Requires appointmentNot available
- Drive-throughAvailable
Location
Hours
Reviews
4.9
107 reviews
5 stars
105
4 stars0
3 stars0
2 stars0
1 star
2
- GMGlen MartinApr 24, 20235.0Great bank and helpful staff!
- JPJason PattersonNov 18, 20225.0Great place to bank, wonderful and friendly staff.
- CMCheryl McClureOct 28, 20225.0Home mortgage
Frequently Asked Questions About F&M Bank Bridgewater
What is F&M Bank's Routing Number
F&M Bank's Routing Number is: 051404419
What do I need to open an account?
- Proof of name and street address, date of birth, and a photocopy of your driver’s license or passport.
- U.S. persons, please bring your social security number. Foreign persons, please bring your passport number and country of issuance.
- If you need additional documentation to support your physical address, you may bring a voter registration card or vehicle title. If these items are not available, please contact us for other documentation commonly accepted.
- For business accounts – Please bring along the documentation listed above for any party with 25% or more equity interest in the business.
What should I do if my card is lost or stolen?
If your Visa check card is lost or stolen, or you suspect fraud on your account, 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.
What is the difference between F&M Bank and F&M Mortgage?
F&M Mortgage is a subsidiary of F&M Bank and handles traditional home loans in our area.
How do I open an account?
Complete an online application and visit one of our branches to complete the process.
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.
How do I report a lost or stolen debit card?
Call us immediately during normal operating hours at (540) 896-8941or disable your card through online or mobile banking for your protection. Learn how here: https://www.fmbankva.com/cardmanagement/
Are my deposits FDIC insured?
Yes. All deposits are FDIC insured up to the maximum allowed by law. F&M Bank also offers ICS services, or Insured Cash Sweep, for clients with deposits greater than the current maximum allowed to received FDIC coverage.
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.
What are ‘collected funds’?
Collected funds are money that has fully cleared and is available for withdrawal. Deposits like checks may take 1–3 business days to become collected, depending on the source and amount.
Can I stop an ACH transaction or automatic payment?
Yes, but it must be done before the transaction processes. Contact us as soon as possible with the payment details. Some recurring ACH payments may require written confirmation.
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.
Why do I need collected funds for certain transactions?
Transactions like outgoing wires or cashier’s checks require collected funds to ensure the money is guaranteed and immediately available.
Do you offer mobile banking?
Yes! Our mobile app allows you to check balances, transfer funds, deposit checks, pay bills, and more—anytime, anywhere.
How can I reset my online banking password?
Click "Forgot Password" on the login screen or call our support team for assistance.
Do you offer business banking services?
Absolutely. We offer a full range of business accounts, loans, merchant services, and cash management tools.
What are the drive-through hours at F&M Bank Bridgewater?
The drive-through is open Monday to Thursday from 8:30 AM to 5:00 PM, Friday from 8:30 AM to 5:30 PM, and Saturday from 8:30 AM to 12:00 PM. It is closed on Sundays.
Does F&M Bank Bridgewater offer mobile and online banking services?
Yes, F&M Bank Bridgewater provides online banking, mobile banking, eStatements, and supports Apple Pay, Google Pay, Zelle, and mobile deposits.
What should I do if my debit or Visa check card is lost or stolen?
Contact F&M Bank immediately during normal business hours to report the lost or stolen card so it can be deactivated. You can also disable your card through online or mobile banking for protection.
How can I open a checking or savings account at F&M Bank Bridgewater?
You can open a checking or savings account online or by visiting any branch location. Be sure to bring a government-issued ID and your Social Security number.
Is F&M Bank Bridgewater FDIC insured?
Yes. All deposits are FDIC insured up to the maximum allowed by law. The bank also offers Insured Cash Sweep (ICS) services for deposits exceeding FDIC limits.
Does F&M Bank Bridgewater have a mobile app?
Yes, F&M Bank offers a mobile app available for both iOS and Android devices, allowing you to manage your accounts, deposit checks, and more on the go.
What are the holiday hours for F&M Bank Bridgewater?
The bank is closed on several holidays including November 11, November 27, December 25, December 26, and January 1. On December 24, it is open from 8:30 AM to 12:00 PM, and on December 31, from 8:30 AM to 2:00 PM.
What nearby schools are close to F&M Bank Bridgewater?
Nearby schools include Turner Ashby High School and John Wayland Elementary School, which can be convenient for families visiting the bank.
What nearby dining options are available near F&M Bank Bridgewater?
Nearby dining options include Domino's Pizza, Resendiz Farms Mexican restaurant, Scrumptious Suppers, and coffee shops like Daily Grind and Bridgewater Coffee Co, great for grabbing a meal or coffee before or after your visit.
Are there fitness and wellness facilities near F&M Bank Bridgewater?
Yes, nearby fitness and wellness options include Bridgewater 24/7 Family Fitness gym, Ray Heatwole Field for activities, and G3 Nail Spa for beauty and spa services.