Online Banking Security

We take safeguarding your personal information online seriously. F&M Bank implements the most current security standards to protect you and your banking accounts. We use the same security protocol for online banking from your personal computer and mobile device. SSL encryption and our protected apps ensure you can depend on a secure experience every time you access your account.

Electronic Disclosure Agreement

Electronic eStatement Disclosure Agreement

Online Banking Disclosure 

Online Privacy Statement

Service Fee Schedule

Associated fees for account and convenience services.

Funds Availability Policy

Our general policy is to allow you to withdraw funds deposited in a transaction account on the first Business Day after the day of deposit.

Funds Availability Policy Disclosure

Children’s Online Privacy Protection Act

Our website is not directed to children under the age of 13. We do not knowingly solicit data from persons under the age of 13 and we do not knowingly market to persons under the age of 13.


There is a technology called “cookies” that can collect, store, and sometimes track information. A “cookie” is a small data file that can be placed on your hard drive when you visit certain websites. We may use cookies in this manner. If you wish, you may modify your browser to disable cookies, including session cookies.

Submitting Forms Online

Online applications are submitted in a secure encrypted format.

Links to Third Party Websites

Links to non-F&M Bank Corp. and its affiliates’ websites may be found on our site. These third-party websites have their own security and privacy policies and may provide less security than our website. F&M Bank Corp. and its affiliates do not endorse or guarantee the products, information or recommendations provided by the linked site. We are not liable for any failure of products or services advertised on the linked site.