Business Details
About
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F&M’s presence in the Shenandoah Valley region of Virginia goes all the way back to 1908. 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
- Wheelchair accessible restroomNot available
Location
F&M Bank Winchester (Amherst Street)
1738 Amherst Street, Winchester, VA
22601, United States
Hours
Reviews
5.0
1 reviews
5 stars
1
4 stars0
3 stars0
2 stars0
1 star0
- BLBetty LockhartOct 8, 20245.0Excellent customer service and great rates. The staff at the bank are fantastic. Always go out of their way to serve you.
Frequently Asked Questions About F&M Bank Winchester (Amherst Street)
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 Winchester (Amherst Street)?
The bank operates Monday to Thursday from 8:30 AM to 5:00 PM, and Friday from 8:30 AM to 5:30 PM. It is closed on Saturdays and Sundays.
Does F&M Bank Winchester offer drive-through banking hours?
Yes, the bank offers drive-through service with specific holiday hours. For example, it is closed on November 11 and 27, 2025, and open from 8:30 AM to 12:00 PM on December 24, 2025.
How can I open a checking or savings account at F&M Bank?
You can open an account online or by visiting any branch location. Bring a government-issued ID and your Social Security number to complete the process.
What documents do I need to open an account?
You'll need proof of name, street address, date of birth, a photocopy of your driver's license or passport, and your Social Security number if you're a U.S. person. Additional documents may be required for business accounts.
How do I report a lost or stolen debit card?
Call the bank immediately during normal hours at (540) 896-8941 or disable your card through online or mobile banking for your protection.
Is F&M Bank FDIC insured?
Yes, all deposits are FDIC insured up to the maximum allowed by law. The bank also offers ICS services for larger deposits.
Does F&M Bank offer mobile banking services?
Yes, the bank provides a mobile app allowing you to check balances, transfer funds, deposit checks, pay bills, and more at any time.
What nearby banking options are available to someone visiting F&M Bank Winchester?
Nearby banks include Atlantic Union Bank and Truist. This gives customers options for different banking services within the same area.
Are there medical services close to F&M Bank Winchester that customers might visit before or after their banking?
Yes, several medical facilities are nearby, including Urology Clinic of Winchester, Tolley Dental of Winchester, and Shenandoah Head and Neck Specialists, which can be convenient for customers managing healthcare appointments.
Is there a convenient place near F&M Bank Winchester for shipping and courier services?
Yes, customers can use the UPS Access Point location nearby for their courier, delivery, and shipping needs.