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F&M Bank

Online Tools

Digital Banking That Fits Your Life

Woman holding tablet with F&M Bank Online Banking Login Screen

Manage your money securely anytime, anywhere

From checking balances and transferring funds to paying bills, depositing checks, managing cards, and sending money with Zelle, F&M Bank gives you modern banking convenience backed by local service you know and trust.
Mobile Banking

Take F&M Bank with you wherever you go. The mobile banking app gives you fast, secure access to your accounts from your smartphone or tablet so you can manage everyday banking tasks on your schedule.

  • Check balances and account activity

  • Deposit checks with Mobile Deposit

  • Transfer funds

  • View statements

  • Send secure messages to Customer Support

  • Use built-in tools to manage debit cards, payments, and alerts

Online Banking

F&M Bank’s online banking platform helps you stay on top of your finances with secure access to your accounts around the clock. Review balances, monitor recent activity, transfer money, make payments, and organize your financial life from your desktop or laptop.

  • 24/7 account access

  • View balances and transaction history

  • Transfer funds between eligible accounts

  • Pay bills in one place

  • Download transactions into Quicken® and QuickBooks®

  • Access e-statements and notices

Mobile Wallet
Using your F&M Bank Visa® card is even easier with mobile wallet compatibility. Add your card to your supported device and enjoy a faster, more convenient way to check out in stores, online, and in apps.

  • Make secure, contactless payments in stores

  • Pay quickly online and in apps without entering card details

  • Use Apple Pay®, Google Pay™, or Samsung Pay® on supported devices

  • Keep your card information protected with tokenization

  • Enjoy fast checkout with your phone, tablet, or wearable device


Financial Health Suite

Bring together powerful tools inside digital banking to help you take control of your finances.

  • Monitor your credit score
  • Manage subscriptions
  • Dark Web Monitoring1
  • Personal information Monitoring

 With personalized insights and real-time account aggregation, you can see your full financial picture and make more confident decisions every day.


Zelle

Zelle makes it easy to send money to friends, family, or others you know and trust, right from your F&M Bank digital banking experience.

  • Send money quickly using just an email or U.S. mobile number

  • Move money directly between bank accounts

  • No need for cash or checks

  • Conveniently access Zelle within online or mobile banking

  • Request money and split payments with ease


Bill Pay

Simplify your monthly routine with F&M Bill Pay. Schedule payments, manage payees, and stay organized without juggling multiple websites and due dates.

  • Schedule one-time or recurring payments

  • Pay multiple bills from one secure location

  • Receive eBills and payment reminders

  • Add and manage payees

  • Track payment history and confirmations


Card Management & Security

Built-in card controls make it easier to protect your accounts and respond quickly when something doesn’t look right. Manage usage settings directly within digital banking for added peace of mind.

  • Turn your card on or off

  • Set transaction alerts

  • Manage spending limits

  • Add travel notifications

  • Monitor activity in real time


















































































Get the most out of your digital banking experience. Explore answers to common questions about features, tools, and how to manage your money with ease.

Getting Started

You can enroll by clicking “Enroll in Online Banking” and following the prompts. You’ll need your account information and personal details to get started. 
F&M Bank’s online and mobile banking services are free to use. Standard data rates from your mobile carrier may apply.
Search for F&M Bank in the Apple App Store or Google Play Store and download the app to your device.







Mobile & Online Banking

You can check balances, transfer funds, pay bills, deposit checks, monitor transactions, manage your cards, and more... all in one place. 
Yes. F&M Bank uses advanced security features like encryption, multi-factor authentication, and account alerts to help protect your information.

How does mobile check deposit work?
Simply log into the mobile app, select “Deposit Check,” take photos of the front and back of your check, and submit. (NEED TO INCLUDE THE ENROLLMENT STEPS)

When will my mobile deposit be available?
Most deposits are processed quickly, but availability may vary based on the amount and time of deposit.

How do I set up Bill Pay?
Log into online or mobile banking, navigate to Bill Pay, and add your payees. From there, you can schedule one-time or recurring payments.

Can I schedule recurring payments?
Yes, you can set up automatic payments for recurring bills to save time and avoid missed due dates.

Can I turn my debit card on or off?
Yes, you can easily turn your card on or off within digital banking if it’s misplaced or not in use.

What should I do if I notice suspicious activity?
Contact F&M Bank immediately. You can also use digital banking tools to review transactions and manage your card settings.

With Financial Health suite, you can view:

1 Dark Web monitoring consists of searching for up to 1 Social Security number, 10 driver’s licenses, up to 10 credit and debit cards, up to 10 bank accounts, 10 passports, up to 10 phone numbers, up to 10 email addresses, up to 10 physical addresses, and 10 medical IDs. We partner with Constella Intelligence who searches thousands of internet sites where it is suspected that consumer’s personal information is being bought and sold. Constella Intelligence regularly reviews and adds new sites to search; however, there is no guarantee that Constella Intelligence will be able to locate and search every possible internet site as some sites are not published and frequently change. Dark Web monitoring may take several days to begin and may not occur during your {trial/Access} period.

2 Please note that the list of Data Broker sites being scanned may change as we do not crawl all Data Broker sites.

How do I enroll in e-statements?
Log into online banking, navigate to your account settings, and select e-statements to enroll.

Are e-statements secure?
Yes, e-statements are securely stored within your online banking account and help reduce the risk of mail fraud.