# F&M Bank - VA — user reviews > 21 indexed App Store user reviews of F&M Bank by Farmers & Merchants Bank, rated 4.80/5 from 2,486 ratings. - Source: https://appshunter.io/ios/app/f-and-m-bank-va/id1533465414/reviews - App overview in markdown: https://appshunter.io/ios/app/f-and-m-bank-va/id1533465414.md - Rating breakdown: 5★ 2,257 · 4★ 152 · 3★ 34 · 2★ 16 · 1★ 27 ## What do users think of F&M Bank? Overall sentiment: positive **Pros** - 🚀 Fast and efficient banking - 👍 Great customer service - 💡 Useful features like mobile deposit - 🏡 Hometown banking experience **Cons** - 🐛 Login and app issues - 🤔 Confusing navigation and UI - 🙄 Unwanted marketing messages **Commonly reported bugs** - Login problems after app updates - Missing important features like memo field - Compatibility issues with older devices **Most requested features** - Improved multi-factor authentication options - Ability to customize account views - Restore person-to-person payments ## Newest reviews (1 of 21) ### 4/5 — App okay but…. *2023-01-17, version 2.48.0* The app works okay for most banking related activities but its like some things arent thought out or the bank just feels like people will deal with. Prime example is the messaging part of the app. This should be used for messaging customer service but instead it has turned in to another marketing arm for the bank with no way to turn off said messaging. Another issue i have is MFA/2FA support. Texting is the only option. Im sorry but in the modern era when have way better options. On the positive side at least this app doesnt have one of those terrible virtual assistants. ## Most critical reviews (10 lowest-rated) ### 1/5 — Black Bart is a failure *2024-12-12, version 3.18.0* Such a terribly managed bank. I wish PCB would open a branch in the broadway/timberville area. Those folks know how to bank locally. Maybe it’s because their management is from the area. Not a lot of castoff failures from larger banks. ### 1/5 — Absolutely horrible *2024-05-23, version 3.12.0* It took me a week to get my loan account payment set up from my other bank. Multiple calls to customer service. They had to completely delete the progress I made and had to wait another 24hours for the deposits to verify my account ### 1/5 — Can’t login on app *2023-08-08, version 3.5.0* I can login through the website but the app doesn’t login. ### 1/5 — Worst app *2022-06-11, version 2.41.0* My husband switched banks to this bank. I can not get on the app or even online. I have my own checking account with another bank and the app is AWESOME very easy to get on This app is awful. ### 1/5 — Update *2021-02-09, version 2.25.0* Every time you update I have trouble logging in. I hear this complaint from many in our community as well. Inconveniencing customers doesn’t seem to be a concern of the bank. ### 1/5 — New App *2021-01-07, version 2.25.0* I just downloaded the new app a few days ago and this is the first time I'm using it. But I love the new layout and how easy it is just paying bills. It is great. ### 1/5 — Angry *2021-01-07, version 2.25.0* I CANT EVEN LOG ON TO SEE MY BALANCE NOW IT WONT TEXT ME MY 2 step AUTHY CODE...an app this important shouldn’t have issues ### 1/5 — The memo field is gone! *2021-01-06, version 2.25.0* I relied on the memo field to identify the owner of each of the hundreds of HOA checks I deposit as the treasurer. You have made an already tedious job harder! What made you think taking away a field was a good idea? Did you scan your DB to see if anyone used it? If you had, common sense would have told you to keep it. And to make matters worse, the old app has been disabled. I am a SW engineer with 36 years of experience so i know what i am talking about. BAD! ### 2/5 — View *2021-01-20, version 2.25.0* I don’t like that I can’t see all my accounts without having to swipe right and keep swiping until I get to the one I want. And I have to click the account and then click transactions to see them. Obviously, I want to see the transactions if I click on the account. It just seems like a lot of clicking here and there to get to a place that used to be much simpler to get to. Best regards! ### 2/5 — Person to Person *2021-01-07, version 2.25.0* I used to use the person to person feature quite often, but since then update it’s nowhere to be found and In very disappointed. Hopefully a future update will fix this. ## Most praised reviews (10 highest-rated) ### 5/5 — Excellent bank! *2026-03-19, version 3.32.0* Great customer service! I’ve banked at F&M for 15+ years and they never let me down! ### 5/5 — Best bank ever!! *2025-08-29, version 3.26.1* I’ve been banking with them for 15+ years. Great service. ### 5/5 — Good to work with and it’s there when you need it just wish I could get it raised *2025-08-29, version 3.26.1* Very good to deal with ### 5/5 — All the things. *2024-12-17, version 3.18.0* Does all the things you expect - mobile deposit, transfers, bill pay, Zelle - good app. ### 5/5 — Great service *2024-07-26, version 3.14.0* Love the smiles, great service and great personalities at this bank! Makes you feel welcomed! Enjoy banking at F&M!! ### 5/5 — Great customer service *2022-09-26, version 2.45.1* Great customer service ### 5/5 — Make a deposit in 10 seconds!!! *2022-01-30, version 2.37.0* Making a deposit via the F&M Bank Mobile App is awesome!!!!! Way easier than my former bank!!!! ### 5/5 — Hometown Banking !!! *2021-03-21, version 2.28.0* We love our Hometown Bank and are really enjoying the new online services !! Thanks for always being our #1 😁 ### 5/5 — Superior Banking at F&M *2021-01-09, version 2.25.0* I have had the opportunity to have used more than 5 banks in my lifetime and without a doubt, F&M is hands down THE BEST BANK that I have ever had the pleasure of banking with. Superior customer service and products, too! ### 5/5 — New Year New App *2021-01-06, version 2.25.0* Clean,sharp,easier to use a lot new features added Thank you --- *Data collected daily from the US App Store and indexed by [AppsHunter](https://appshunter.io/). User reviews are verbatim App Store reviews. Ratings, prices and chart positions refresh continuously; this snapshot is from 2026-08-31.*