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
- Wheelchair accessible entranceAvailable
Location
Hours
Reviews
4.9
33 reviews
5 stars
31
4 stars
1
3 stars
1
2 stars0
1 star0
- JWJanet WoodDec 7, 20225.0We haven't gone anywhere else, (Is there another Bank?) They work with you and help in all your banking needs. Quick to solve issues that arise so you don't have to worry. The staff is a 5 star staff all the way to the top of the branch. Thank you F&M for always being our bank of choice.
- CWcarroll wyantNov 28, 20225.0To all consumers , I have been doing business with F and M bank for more than 30 years . This bank has always met my approval for banking needs. This bank has always been there for me when I am in need . I think you should always shop for the best, no need to shop elsewhere because F and M bank will always provide professional and courteous relationships . Thank you Theresa Helmick and F and M bank for trusted and best service that any bank can provide . Carroll Wyant
- TSThomas SchroederNov 15, 20225.0By far the best bank I have ever dealt with. The staff, especially the Elkton branch, goes above and beyond to make you feel like a priority. Whether it's opening a checking account or securing a home equity loan, Farmers and Merchants is the right choice.
- TSTonja ShowalterNov 15, 20225.0The staff at F&M is always great to work with and always have a smile on their face. Its great to work with a local bank.
Frequently Asked Questions About F&M Bank Elkton
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 F&M Bank Elkton's regular drive-through hours?
The drive-through is open Monday to Thursday from 08:30 AM to 5:00 PM, Friday until 5:30 PM, and Saturday until 12:00 PM. It is closed on Sundays.
Is F&M Bank Elkton open on Sundays or holidays?
The bank is closed on Sundays and major holidays such as Veterans Day, Thanksgiving, Christmas Day, and New Year's Day. Some holidays have reduced hours, for example, December 24th from 08:30 AM to 12:00 PM.
What documents do I need to open an account at F&M Bank Elkton?
You need proof of name, street address, date of birth, and valid ID like a driver's license or passport. U.S. residents should provide their social security number; foreign persons their passport number and country of issuance. Business accounts require documentation for any party with 25%+ equity interest.
How do I report a lost or stolen F&M Bank debit card?
Contact the bank immediately during normal business hours at (540) 896-8941 or disable your card through online or mobile banking to protect your account from unauthorized use.
Are deposits at F&M Bank Elkton FDIC insured?
Yes, all deposits are FDIC insured up to the maximum allowed by law. Additionally, F&M Bank offers Insured Cash Sweep (ICS) for deposits exceeding standard FDIC limits.
Does F&M Bank Elkton offer mobile banking services?
Yes, they have a mobile app that lets you check balances, transfer funds, deposit checks, pay bills, and more anytime and anywhere.
What services can I access at F&M Bank Elkton's drive-through?
You can perform standard banking transactions including cash advances and deposits through the drive-through, which is accessible Monday through Saturday with varying hours.
What nearby parks can I visit near F&M Bank Elkton?
You can visit Riverside Park Elkton, Virginia, which is nearby and offers outdoor recreational opportunities before or after your banking visit.
Are there convenient places to eat near F&M Bank Elkton?
Yes, there are several nearby dining options such as Ciro's Pizza, Old 33 Beer & Burger Grill, Goodfellas Italian Restaurant, El Paso Mexican Grille, and McDonald's, perfect for a meal during your visit to the bank.
Where can I find nearby automotive services near F&M Bank Elkton?
Nearby automotive service centers include J&R Tire and Brake Center and Meadows Service Center, useful if you need vehicle repairs or gas during your visit.