Welcome to F&M Bank

We’re thrilled you’ve joined the F&M Community!  We want your banking experience to be easy; let’s make sure you have access to all the banking tools you need.

First things first:
  • Can you see your accounts?
  • Have you activated your debit card?
    • Your card should now be active if you opened your account in an F&M Branch location.
    • If you opened your account online, your debit card should arrive within 7-10 business days following account opening. If your card still doesn’t arrive after this window, you may contact your local F&M Branch for an instant issue debit card, or request a card replacement inside F&M Mobile.
      • You can activate your card within the mobile app or by simply using your debit card with the PIN that was provided.
  • Need to make a loan payment? You have two easy options! 
Click any of the icons below to learn more about how community banking should be.


Life is mobile, and so is your bank.

F&M Online Banking

Enjoy full control of your accounts with the click of a mouse.  Set up travel alerts, view monthly statements, transfer funds, event chat with an F&M representative.  Click here to enroll today!

Mobile Banking

Enjoy all the benefits of F&M Online Banking on your mobile device.  Our fully-functional mobile app provides you security and control, while you’re on the go.

ATM Network

Our Branch ATMs are ever-evolving.  Visit an F&M ATM to make deposits, change your PIN, even select Spanish as your preferred language experience.


From ordering a new card to travel alerts and budgeting assistance, you control your goals and security.

Card Management

Debit and credit card fraud is prevalent, but minimizing the aftermath is simpler with card management controls in online banking and mobile banking. Guard against potential fraud and protect your accounts with a multitude of card controls. For instance, set alerts for travel and transaction amount and switch your card on/off with the toggle of a button.

Mobile Wallet

Apple, Google, and Samsung mobile payment methods provide a more efficient way for people to make purchases. Using your F&M Bank Visa® card just became even easier. Now the things you love about your F&M Bank Visa card are right on your phone.

Squirrel Personal Finance Management

Budget like you mean it with Squirrel PFM.  This small, but mighty, platform helps you set budgeting goals and analyzes where your money goes each month.  Do you really know how much you spent on take out last month?  You will now.

Make a Loan Payment

Stay up-to-date on your F&M loan by making payments through mobile or online banking!

Money Movement

Some say money makes the world move. We say that power should be in your hands.

Mobile Deposit

Deposit checks securely and easily where ever your day takes you.


Pay your friends for covering lunch, or send money to your college student with a few steps.

Account to Account Transfer

Easily transfer funds between your accounts at different financial institutions.