Safe, Secure, Convenient and Free. Access your online banking anytime, anywhere.

With F&M Mobile Banking you can access your accounts using any web-enabled mobile device. Check your balance, deposit checks, transfer funds between accounts, setup text alerts, send money, or pay bills wherever you are.

You can also manage your card spending from your mobile device with the MyCardRules app! Just download the MyCardRules app from Google Play™ or the App Store®. Then you can set a wide range of controls and alerts on all your cards. For example, you can:

  • Turn your card on or off
  • Set transaction spending limits based on your preferences, including dollar amount, transaction type and merchant type
  • Get instant alerts on certain types of transactions, like when a transaction is declined
  • Set a specific region where the card can be used or restrict usage based on your mobile device’s location
  • Set parental controls and monitoring

 To download MyCardRules, or to learn more information about the app, click here

Please note: Customers must have a valid user ID and password for Online Banking to access Mobile Banking. Customers must also be using a web-enabled mobile device. Data charges by your mobile phone provider may apply and are the responsibility of the mobile phone owner.


Learn about all of the Features and Benefits of Mobile Banking and F&M's other web-based services.

How secure is Mobile Banking?

Farmers & Merchants Mobile Banking services use the same security standards as our personal and business Online Banking services. Mobile Banking uses 128-bit SSL (Secure Socket Layer) encryption to protect your information and we don’t store any information on your phone. You are required to log in each time you access your account information or bill pay services through Mobile Banking. To ensure your safety, we recommend that you only download our mobile apps from the sources we have mentioned. We also recommend that you take every measure necessary to secure your mobile device much like you would your desktop computer. Web access is needed to use Mobile App. Check with your wireless carrier for fees that may apply. Mobile Banking is available to existing Online Banking users only. All terms applicable to Online Banking apply to Mobile Banking.

Available on iPhone®, iPad™ & Android™ devices.  Search for “F & M Bank” or “Farmers & Merchants” to access your F&M Bank account right from your phone.

app store

Check out our YouTube video tutorial to setup Touch ID for mobile banking. Or follow this step-by-step guide [PDF].
Touch ID Access

Please note: Users must have the compatible Apple iPhone software to install Touch ID.