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
4.0
8 reviews
5 stars
6
4 stars0
3 stars0
2 stars0
1 star
2
- HMHerbert McMullanAug 14, 20255.0Maria was most helpful, patient, cautious and smart. HJM
- MBMandi BurichFeb 25, 20255.0Late to leaving my review, but cannot be happier with the choice I made for opening my business account with F&M in Woodstock! I showed up randomly while in town running errands just expecting to get some information and schedule to meet with a banker at a later date and I was immediately accommodated in a very professional and friendly manner. Everyone there was wonderful, though Christy was absolutely phenomenal and had my account set up in no time. She was incredibly personable and thoroughly enjoyed the conversation while getting established. As a new business owner I am beyond excited to partner with Christy and the staff from F&M, and as a newer member of the community, I felt very welcomed and “a part of it” already-cannot wait to grow my business and become a deeper part of the community!
- NSNatalie Strickler-AltNov 16, 20225.0The staff at Woodstock is always so nice and personable! I cannot wait to see what the branch looks like once the renovation is complete.
- ACAFewOfThe CrewDubsApr 22, 20215.0Real friendly staff. Carol and John are both always a delight. Free checking without hidden fees like some banks have hit me with in the past. There's nothing bad to say in my experience.
Frequently Asked Questions About F&M Bank Woodstock
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 Woodstock?
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 and certain holidays.
What are the regular business hours of F&M Bank Woodstock?
The bank is open Monday through 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.
Is F&M Bank Woodstock open on major holidays?
The bank is closed on Veterans Day (November 11), Thanksgiving Day (November 27), Christmas Day (December 25), December 26, and New Year's Day (January 1). It has reduced hours on Christmas Eve (8:30 AM to 12:00 PM) and New Year's Eve (8:30 AM to 2:00 PM).
What services does F&M Bank Woodstock offer through its mobile app?
The mobile app allows you to check balances, transfer funds, deposit checks, pay bills, and more, providing banking services anytime and anywhere.
How can I open a checking or savings account at F&M Bank Woodstock?
You can open an account online or visit any branch location with a government-issued ID and your Social Security number to complete the process.
What should I do if my F&M Bank debit card is lost or stolen?
Contact the bank immediately during normal business hours to report the lost or stolen card so it can be deactivated and prevent unauthorized use. You can also disable your card through online or mobile banking.
Is F&M Bank Woodstock accessible to individuals with disabilities?
Yes, the bank has wheelchair accessible entrances and parking to accommodate customers with disabilities.
Are F&M Bank Woodstock deposits insured?
Yes, all deposits are FDIC insured up to the maximum allowed by law. The bank also offers ICS services for deposits exceeding FDIC coverage limits.
What nearby attractions can I visit along with a trip to F&M Bank Woodstock?
You can visit Sugar Creek Snowy and Sweet Ice Cream Shop for a treat after banking, or Joe's Steakhouse for a meal nearby. Both are popular local spots close to the bank.
How can nearby real estate agencies benefit me as a customer of F&M Bank Woodstock?
Nearby real estate agencies like ERA Valley Realty and Beasley Realty can assist with property transactions, and you can coordinate mortgage services through F&M Mortgage, a bank subsidiary offering home loans.