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
5.0
16 reviews
5 stars
16
4 stars0
3 stars0
2 stars0
1 star0
- NLNyx LockeJan 9, 20245.0I have been with them for ages, and they are always just the nicest and most helpful people even when I have the oddest paperwork requests (had a whole account verification stupid with another company when I was linking my account and they worked with me over a few days to help me solve it and get me everything I needed). Good interest rates, sweet people. Big shout out to Aaron who always ends up helping me out when I need to pop by for anything in person. Excellent service, great mobile banking, built in Zelle transfers for P2P, easy to use your debit account overseas, amazing account options. I highly recommend them and have never had an issue that wasn't easy to fix!
- AMAnna MyersNov 16, 20225.0Bank Teller Kristina just made my experience AMAZING!!!! 11/10 recommend 😍
- JSJocelyn SpencerNov 15, 20225.0I had called the Waynesboro location while looking for an alternative to my current bank. They were so helpful and friendly.
- TFTonya floydNov 15, 20225.0They are very courteous and nice. Greets you with a smile. Very welcoming!
Frequently Asked Questions About F&M Bank Waynesboro
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 regular operating hours for F&M Bank Waynesboro?
F&M Bank Waynesboro is open Monday to Thursday from 8:30 AM to 5:00 PM, and Friday from 8:30 AM to 5:30 PM. The bank is closed on Saturdays and Sundays.
Does F&M Bank Waynesboro have a drive-through service and what are its holiday hours?
Yes, F&M Bank Waynesboro offers a drive-through service. On holidays, it is closed on November 11, November 27, December 25, and January 1. It operates from 8:30 AM to 12:00 PM on December 24 and from 8:30 AM to 2:00 PM on December 31.
What do I need to open an account at F&M Bank Waynesboro?
To open an account, you need proof of name, street address, date of birth, and a photocopy of your driver’s license or passport. U.S. persons should bring a Social Security number; foreign persons should bring a passport number and country of issuance. Additional documentation may be required for proof of physical address.
How can I open a checking or savings account with F&M Bank Waynesboro?
You can open a checking or savings account online or by visiting one of the branch locations. Bring a government-issued ID and your Social Security number to complete the process.
What should I do if my Visa check card is lost or stolen?
If your Visa check card is lost or stolen, report it immediately so the card can be deactivated to prevent unauthorized use. This helps avoid liability for any fraudulent charges.
Are deposits at F&M Bank Waynesboro FDIC insured?
Yes, all deposits at F&M Bank Waynesboro are FDIC insured up to the maximum allowed by law. For deposits exceeding the limit, ICS (Insured Cash Sweep) services are offered to provide additional coverage.
Does F&M Bank Waynesboro offer mobile and online banking services?
Yes, the bank offers mobile and online banking services, including balance checks, fund transfers, mobile check deposits, and bill payments. A mobile app is available for download on both Android and iOS devices.
What are some nearby places I can visit around F&M Bank Waynesboro?
Nearby places include Carter Bank & Trust, the UPS Access Point location for shipping needs, and Kmart for retail shopping. Visitors can find convenient banking, shipping, and shopping services all within proximity of the bank.
How can I use public services nearby to help with my visit to F&M Bank Waynesboro?
You can use the UPS Access Point nearby to handle package shipping or pick-up conveniently before or after banking. Mobile phone stores like T-Mobile and Sprint Store are also close by for telecommunications needs during your visit.
Are there any wellness or personal care services near F&M Bank Waynesboro that customers might want to visit?
Yes, nearby you will find the Animal Hospital of Waynesboro for pet care, Valley Dermatology for skin health, and Nail Art for beauty services, making it convenient to take care of personal and pet wellness during your trip to the bank.