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
F&M Bank Stuarts Draft
2782 Stuarts Draft Highway, Stuarts Draft, VA
24477, United States
Hours
Reviews
5.0
7 reviews
5 stars
7
4 stars0
3 stars0
2 stars0
1 star0
- SHSylvia HuffmanNov 20, 20235.0The tellers at this location are so helpful and professional. Anytime I need help they are always able to help me. This location is the center I always use and they do great work.
- JCJulie CollinsNov 16, 20225.0Fantastic company to do business with, and they have the best staff at this location. Super friendly and helpful. Definitely recommend!
- DCDerek crummettNov 16, 20225.0Would highly recommend, service was great.
- TCTonia CampbellOct 24, 20225.0F&M Bank of Stuarts Draft is the best local bank in the area. Jason and the whole staff is wonderful. All are very nice, polite and very knowledgeable of the banking world. This staff is always available to help. I recommend this branch to everyone. AWESOME JOB!!!
Frequently Asked Questions About F&M Bank Stuarts Draft
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 standard operating hours for F&M Bank Stuarts Draft?
F&M Bank Stuarts Draft is open Monday to Thursday from 8:30 AM to 5:00 PM and on Friday from 8:30 AM to 5:30 PM. The bank is closed on Saturdays and Sundays.
Does F&M Bank Stuarts Draft have holiday closures?
Yes, the bank is closed on several holidays including November 11, November 27, December 25, December 26, and January 1. On December 24, it opens from 8:30 AM to 12:00 PM, and on December 31, from 8:30 AM to 2:00 PM.
Can I use the drive-through service at F&M Bank Stuarts Draft?
Yes, F&M Bank Stuarts Draft offers drive-through services during operating hours, including specific holiday hours with some dates closed.
What do I need to open an account at F&M Bank Stuarts Draft?
You need proof of name, street address, date of birth, a photocopy of your driver’s license or passport, social security number (for U.S. persons), and additional documentation as needed. Business accounts require documentation for any party with 25% or more equity interest.
How do I report a lost or stolen debit card?
Call the bank immediately at (540) 609-2363 during normal operating hours or disable your card through online or mobile banking to protect your account.
Are my deposits at F&M Bank Stuarts Draft FDIC insured?
Yes, all deposits are FDIC insured up to the maximum allowed by law, and the bank offers ICS services for deposits exceeding FDIC limits.
What mobile banking services does F&M Bank Stuarts Draft offer?
The bank provides mobile banking services including checking balances, transferring funds, depositing checks, paying bills, and supports Apple Pay, Google Pay, Zelle, and Mobile Deposit.
Which nearby banks can customers visit in Stuarts Draft besides F&M Bank?
Customers can visit Shenandoah National Bank, located near F&M Bank Stuarts Draft, for additional financial services options in the area.
What nearby places of interest are close to F&M Bank Stuarts Draft for errands or appointments?
Nearby places include Rent Anytime Storage for self-storage needs, several dental offices like Dr. James Hutchens and Long Ridge Dentistry, and Western Union for money transfer services.
Are there any nearby shopping or food options customers can visit when coming to F&M Bank Stuarts Draft?
Yes, customers can visit Broadmoor Plaza for shopping and health food restaurants or grab a quick meal at Subway located nearby in Stuarts Draft.