What's New

Farmers & Merchants Bank and VBS Mortgage are proud to offer our nation's local heroes
special products and services in honor of serving our country. 

We invite currently enlisted individuals, veterans, and fire and rescue employees to take advantage of these banking discounts.

Looking for a new home purchase or refinance options? Check out these  great loan offers from our affiliate, VBS Mortgage.


Congratulations to Jann Caplinger of Harrisonburg, the winner of F&M Bank and VBS Mortgage's Ugly Bathroom Contest! Jann (pictured here with F&M Bank's Port Republic Rd Branch Manager, Natalie Strickler) has received a $1000 Gift Card to Randy's Do It Best Hardware to renovate her bathroom. Thank you to all who entered!


Heartbleed Vulnerability 

Farmers and Merchants Bank has reviewed our systems and confirmed with our software vendors that we are not currently a part of the Heartbleed Vulnerability being discussed in the media.  Our bank and its software providers do not use the Open SSL servers that have been compromised. While our customers do not need to take action due to this event, we do encourage safe online practices, such as changing passwords to online banking websites often.  F&M requires at least an annual password change but encourage customers to be proactive and change more often.  We also encourage customers to use separate passwords for each different website that you login to.  At a minimum do not use the same login password for their financial information such as online banking and investment websites as they do for other websites.  For more tips for safe online banking, click here.


FRAUD ALERT CONTINUED>> On Sunday, March 30, beginning around 6:30 pm, we began getting notificationsfrom our fraud detection system of a small number of our Virginia customers’ cards being used in stores in the state of New York, with confirmations of fraud. As a precautionary measure, F&M has placed a block that requires the use of our customers’ PIN at the following types of merchants in the state of New York:·  

Inside Gas Stations         

Box Grocery Stores (example: Walmart, Target)



Discount Stores (example: Family Dollar) 

A PIN must be used at these merchant types until this matter is resolved.  If you have travel plans to the state of New York, please be advised of this restriction. We apologize for any inconvenience that this may cause and will keep you informed of updates.


Is your bathroom an outdated and ugly eyesore?

Contest extended through April 25th, 2014!

To enter, read the official rules and regulations and download an entry form.

Stop by the F&M/VBS booth during the SVBA Home and Garden Show April 12-13th at the Rockingham County Fairgrounds to see the photos of some of our entries. One lucky winner gets a $1,000 gift certificate to Randy's Do It Best Hardware.

Keep an eye on our website and on Facebook for the winner in early May.


We have received several calls in which customers report receiving a text message from F&M Bank that indicates the following:

“(FAMERS & MERCHANTS Bank Alert) Your Visa CARD #XXXX has been temporarily block.  Please call our 24hr service line (302)268-4339” – there have been differing phone numbers to call depending on the area in which you live. Typically we have received reports that the area code matches your own area code, but that may not always be the case.

Farmers is spelled incorrectly in the text message.  If you received this text please do not to respond in any way.

If you have responded and given out your banking information including your debit or credit card number(s) or account number please contact F&M customer support at 540-896-8941 as soon as possible. 

As a customer, you will never receive a text message from F&M Bank unless you are using our mobile deposit app on your smart phone, and then the text will only be a notification of an accepted or denied transaction.


We want to assure you that we are aware of the reported incident impacting some debit and credit cardholders who used their cards at Target stores between November 27 and December 15, 2013.

Protecting customer and account information is our top priority and we take it very seriously, therefore, we recommend that if you used your card at Target during the period of compromise that your card be canceled and a new card be ordered.  We want to thank you if you have already notified the bank to close your card. The bank will also be proactively reviewing our card activity.  The bank will be notifying those customers who may have been impacted of our plans to reissue new cards.  We also recommend monitoring your account closely over the next few weeks, as it can take some time for fraudulent transactions to be processed. Report any fraudulent transactions immediately to 540-896-8941.

This kind of breach offers a fertile ground for social-engineering schemes, such as phishing attacks, smishing/texting attacks and phone calls that may attempt to fool consumers into divulging personal information. Please note that we will never call you or email you asking for your personal information.  If you receive this sort of call, email or notification do not respond to the request and please call our customer service department at 540-896-8941 immediately.

  • Special Alert - Customers who use the Target Red Card should monitor their accounts closely for unauthorized ACH transactions.

       Questions about Red Cards should be directed to Target.

o   In U.S. call: 1.888.755.5856

o   From outside the U.S. call Collect 1.612.307.8622  

F&M Announces New Rite-Aid Pharmacies state-wide! 

As of November 1, 2013, we offer you new ATM locations in Staunton, Stuarts Draft, Verona, and Waynesboro. As an account holder, you can use ATMs in Rite-Aid Pharmacies throughout Virginia, surcharge-free!

New Loan Production Offices

On October 1, 2012, F&M Bank opened a loan production office in Fishersville, VA. This office is currently staffed with a Business Development/Commercial Loan Officer. Future plans include hiring one or more Mortgage Lenders in cooperation with our affiliate VBS Mortgage. Dean Withers, President and CEO, commented “We’re excited to be expanding further into the Augusta County market. We previously only provided limited services to Augusta County through our courier service and the proximity of our branch office in Bridgewater, VA, which served portions of northern Augusta County. Fishersville is a vibrant and growing market within Augusta County and offers wonderful growth opportunities for our bank.” 

On September 25, 2012, F&M Bank began operations of a loan production office in Penn Laird, VA which specializes in providing automobile financing through a network of automobile dealers. Dean Withers stated “We are fortunate to staff our new Dealer Finance Division with three officers that have extensive experience in Dealer Finance. This office is serving the automobile finance needs for customers of dealers throughout the existing geographic footprint of F&M Bank. Approximately thirty dealers have signed contracts with us to originate loans on behalf of F&M Bank. We will also continue to seek opportunities to add more dealers to our network.”


Finally, Withers noted, “We’re gratified by the reception we are already receiving from the automobile dealers and commercial customers in these two new markets for F&M Bank. It is an exciting time for us as we continue to grow and expand on the community banking foundation that was first started by a group of enterprising farmers and merchants over 100 years ago.”

Mark your calendars for 2014 Shred Days at the following branches:

Port Road: April 12th 9:30 am - noon
Luray: April 26th 9am - noon
Edinburg: May 10th 9am - noon
Bridgewater: May 16th 3pm - 5pm 
Timberville: June 6th 3pm - 5pm
Crossroads: June 20th 3pm - 5pm
Woodstock: September 27th 9am - noon 

Check back for updates!

 Mobile Banking Now Available

You can now securely access your F&M Online Banking account using your smart phone or mobile device. We have a new online platform especially designed to display on phone screens. There are free apps at the Android Market and iTunes store, too, to make access even more convenient.

Ask all about this service at any branch - or visit our Online Banking web page for more details. 



205 S. Main St.     P.O. Box 1111     Timberville, VA 22853     (540) 896-8941