At Farmers & Merchants Bank, we are proud of our independent community bank that has been serving the Shenandoah Valley since 1908. We have a variety of financial services that include banking, investments and insurance products. From individuals to students to businesses, our customers are consistently satisfied with our professional and courteous staff and our up to date technology. We are the oldest banking business in Rockingham County, Virginia, and we live up to our reputation. Give us a call today to find out more about what we can do for you!

Banking Tips

What should I look for to get good value in a checking account?

• Banks offer different types of accounts priced in different ways. They way you use your account and the balances you keep determine what’s best for you.
• Some great values at Farmers & Merchants Bank are:
• FREE Visa debit cards with all checking accounts, and no fees to use the cards
• FREE online banking and unlimited online bill payment with all checking accounts
• Exceptionally high interest rate paid with our Platinum Rewards Checking
• ATM fees can be refunded for any ATM transaction nationwide with our Platinum Rewards Checking
• MyTunes Checking lets you earn a monthly credit to spend on iTunes purchases, instead of paying interest
• We have a check-printing department within our bank, and customers save significantly on check printing costs
• We always welcome customer visits to our branches and calls to our support departments; we never charge for these

What’s the advantage of banking with a smaller community bank instead of a large regional bank?

• At Farmers & Merchants, we are accessible for phone calls during banking hours, in every branch and every department. A real person answers the phone; you never get an automated menu and endless waiting on hold.
• All account processing and statement production is done right here locally in our Timberville headquarters. That means you can get quick responses to any question about your account.
• Although we have a large customer base, we’re small enough to know our customers personally. We don’t hesitate to call you if we see anything suspicious happening on your account.
• When you deposit money with us, it is invested in loans to local individuals and businesses to help our local economy.
• A portion of each year’s profits is used by the bank to support local charities, schools, and non-profit organizations.
• Bank management and the Board of Directors are all local folks who understand the needs of our local community; bank services and policies are designed strictly for the Valley area residents.

Member FDIC • Equal Housing Lender