• How do I find the nearest Farmers & Merchants Bank (F&M) location?
    Go to www.fmb.com/locations and enter your zip code in the preferred location box to locate your nearest banking location.
  • How many offices does F&M have?
    F&M has 24 offices serving Long Beach, Orange County and the South Bay. Go to www.fmb.com/locations to locate your nearest office.
  • What is F&M's routing number? (Your check will also show the routing number)
    F&M's routing number is 122201198 and is located on the bottom of your checks.
  • What are F&M’s banking hours?

    Standard Business hours:

    Monday – Thursday 9:00 am – 5:00 pm 
    Friday 9:00 am – 6:00 pm

    *Saturday Hours 
    Saturday 9:00 am – 12:00 pm

    Our F&M banking hours vary by branch location. Visit Locations and scroll down to the desired branch to view business hours for that location. 

    * Not all branches are open on Saturdays.

  • How can I move my accounts to F&M?
    You can open an account online or visit any F&M office and let one of our account specialists customize a plan to meet your needs.  If you open your account online, F&M can transfer funds electronically to your new account. Contact us at (866) 437-0011 for more information or click here to Open an Account.
  • How can I apply for a job with F&M?

    Visit Career Opportunities to see if positions are available.  You are also welcome to submit your resume to the Human Resources Department via e-mail at human.resources@fmb.com.* Farmers & Merchants Bank is an equal opportunity employer.

    *Since email is not a secure method of communication, please do not send any sensitive information (e.g. Social Security or account numbers) via email. If you need to include sensitive information in your communication to us, please contact us by phone.

  • I just received an e-mail from F&M. Should I respond to it?

    F&M may send you an e-mail on occasion that requires a response; however, the bank will never ask for your social security number, online username or password, debit pin, or account information. If you suspect e-mail fraud please contact your local F&M branch representative or e-mail us at information.security@fmb.com* for further assistance.

    * Since email is not a secure method of communication, please do not send any sensitive information (e.g. Social Security or account numbers) via email. If you need to include sensitive information in your communication to us, please contact us by phone.

  • How do I stop payment on a check?
    You can stop payment on a paper check or electronic (ACH) transaction through online banking, coming in to an office, or calling your F&M Bank representative.
  • How do I change my address?
    You can change your address through online banking or by visiting any F&M office. To change your address online, simply log in to online banking and click “Other Services,” update your address and click ”Submit.” For more information regarding personal information changes, please contact your local F&M bank representative.
  • How do I choose the best checking account for me?
    Experience the personalized service offered by one of the strongest banks in California. Whether you are looking for a basic or interest-bearing checking account, let one of our F&M personal bankers customize a solution that meets your needs and goals.
  • Does F&M offer cashier's checks?
    Yes. Cashier’s checks are available to F&M account holders only. A $6.00 service fee may apply.
  • Does F&M offer money orders?
    Yes. Money orders are available to F&M account holders only. A $4.00 service fee may apply.
  • What is the bank's holiday schedule for 2017?

    Farmers & Merchants Bank offices will be closed in observance of the following holidays:

    Monday, January 2: New Year’s Day
    Monday, January 16: Martin Luther King Jr. Day
    Monday, February 20: Presidents’ Day
    Monday, May 29: Memorial Day
    Tuesday, July 4: Independence Day
    Monday, September 4: Labor Day
    Monday, October 9: Columbus Day
    Saturday, November 11: Veterans Day
    Thursday, November 23: Thanksgiving Day
    Monday, December 25: Christmas Day

  • How do I protect my F&M Debit Card online transactions?
    Learn more about how to protect your F&M debit Card online transactions with MasterCard® SecureCodeTM.
  • What is the FDIC?
    The FDIC (Federal Deposit Insurance Corporation) is an independent agency of the United States government that protects you against the loss of your deposits if an FDIC-insured bank or savings association fails. FDIC insurance is backed by the full faith and credit of the United States government. Since the FDIC's creation in 1933, no depositor has ever lost even one penny of FDIC-insured funds.
  • How do I check to see if my bank is insured by the FDIC?
    You may use Bank Find by visiting the FDIC’s website at www.fdic.gov or call toll-free 1-877-ASK-FDIC to make sure your bank or savings association is insured by the FDIC. The FDIC insures deposits in most, but not all, banks and savings associations. All insured institutions must display an official FDIC sign at each teller window or teller station.
  • What does the FDIC insure?
    FDIC insurance covers all deposit accounts at insured banks and savings associations, including checking, NOW, savings accounts, money-market deposit accounts, and certificates of deposit (CDs) up to the insurance limit.

    The FDIC does not insure the money you invest in stocks, bonds, mutual funds, life insurance policies, annuities or municipal securities, even if you purchased these products from an insured bank or savings association.
  • What is the standard insurance amount?
    The standard insurance amount is $250,000.00 per depositor, per insured bank, for each account ownership category. The FDIC's Electronic Deposit Insurance Estimator can help you determine if you have adequate deposit insurance for your accounts.
  • Is it possible to have more than $250,000.00 at one insured bank and still be fully covered?
    You may qualify for more than $250,000.00 in coverage at one insured bank or savings association if you own deposit accounts in different ownership categories. The most common account ownership categories for individual and family deposits are single accounts, joint accounts, revocable trust accounts, and certain retirement accounts.
  • Where can I get more information about FDIC insurance?
    You may contact your local F&M office, the FDIC at 1-877-ASK-FDIC, or visit the FDIC’s website at www.fdic.gov for more information.
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Personal Checking Accounts

  • Why does the primary account holder have to consent to share existence and balance information with other parties on the Classic, Gold and Platinum Checking accounts?
    With the combined balances condition to waive the Maintenance Fee, the joint signer(s) may inquire why their Classic, Gold, or Platinum Checking account received a Maintenance Fee for a specific month. As the account balances taken into consideration are the average daily balances of the Classic, Gold, or Platinum Checking account’s primary accountholder only, confirming this information for the account’s joint signer(s) will require the Bank to disclose the existence and balances of account(s) on which the joint signer(s) may not be related. By opening and maintaining the account, the Bank is able to assist the joint signer(s) with this inquiry.
  • How does the bank calculate the combined average daily balance in a checking and/or savings account(s) for Classic, Gold, and Platinum Checking accounts?
    The combined average daily balance of the Classic, Gold, or Platinum Checking account is calculated by adding the average daily balances in the Classic, Gold, or Platinum Checking account and in each checking and/or savings account (with a primary or joint relationship) that is related to the primary accountholder. The average daily balance for the related accounts is calculated by adding the principal in the account(s) for each day from the first day of the related accounts’ current statement cycle through the last day of the Classic, Gold, or Platinum Checking account’s statement cycle, divided by the number of days between these two dates.
  • What counts as a debit transaction in regard to waiving the Maintenance Fee?
    Debit Card Point-of-Sale transactions are the only debit card transactions that count towards waiving the Maintenance Fee. Transactions conducted at an ATM are excluded.
  • Do CDs and IRAs qualify for the combined balance for waiving monthly service charges?
    No. The only accounts that qualify are checking and savings accounts where the primary owner of the bundled account has a primary or joint relationship.
  • Do CDs and IRAs qualify for the combined balance for waiving Maintenance Fee for Classic, Gold, and Platinum Checking accounts?
    No. The only accounts that qualify toward the combined balance are other checking and savings accounts in which the primary accountholder of the Classic, Gold, and Platinum Checking accounts has a primary or joint relationship.
  • Do money market accounts count for the combined balance requirement for waiving the Maintenance Fee?
    Yes. The primary accountholder of a Classic, Gold, or Platinum Checking account must have a primary or joint relationship to the money market account in order for it to count towards the combined average daily balance.  
  • Can balances from a business account count for the combined balance requirement for waiving the Maintenance Fee on a Classic, Gold, and Platinum Checking account?
    It depends. Only the Classic, Gold, and Platinum Checking account’s primary accountholder’s other primary and joint relationships are considered. For example: Jane and Joe have a joint Gold Checking account where Jane is the primary accountholder. Jane also has another account (primary or joint). The balance in the other account will be taken into consideration for waiving the service charge on the Gold Checking. Typically, business entities are primary and have a separate account ownership, except in the case of a Sole Proprietor. If the account that Jane holds is a Sole Proprietor account that she is related to as either the primary or joint accountholder, the balance in that Sole Proprietor account would be taken into consideration for waiving the service charge on the Gold Checking. For most other business accounts, the balances would not count.
  • Which of the Personal Checking accounts are subject to the Paper Statement Fee?
    The $3 Paper Statement Fee is assessed each statement cycle for Teen, College, Classic, and Senior Checking accounts when you elect to receive the account’s statement by mail. To avoid this fee, you must enroll in electronic delivery of statements.The Paper Statement Fee is waived for Gold and Platinum Checking accounts.
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Online Banking - General

  • How can I protect my account?
    You can protect your personal or business system by making sure you keep your computer up to date with the latest version of anti-virus software.
  • What is the difference between the current balance and the available balance for my deposit accounts?
    Current balance reflects everything that has officially posted to your account. Available balance reflects any memo posts that have not yet officially posted; for example, a check coming through for payment, a direct deposit or cash being credited to your account. 
  • What is the cut-off time to schedule an online transfer?
    F&M account transfers are memo posted throughout each business day until 6:00 pm. Any transfers submitted after 6:00 pm will be processed the following business day.
  • How do I add a checking, savings, money market, IRA, or CD account to Online Banking?
    Log in to online banking and click the “Click here to add an account” link. You can also request to add an account when you visit your local F&M office.
  • 6. What is the cut off time for submitting Wire Transfers through Online Banking?
    Domestic and International Wire Transfers submitted before 2 pm PT on a business day will be processed the same day. Wire Transfers submitted after 2 pm PT will be sent the next business day.
  • How much history can I view online?
    90 days of account activity is available through your online banking history. Additional account activity, older than 90 days, is available on your online electronic statements.
  • How do I reset my password if I am locked out?

    There are two ways to reset your password. First, click the “Forgot my password” link located under the password field. You will be prompted with a challenge question. If that is answered correctly, an e-mail containing a temporary password will automatically be sent to the e-mail address we have on file. Otherwise, you can call or e-mail Online Banking support at (562) 344-2370 or internet.support@fmb.com* for assistance.

    *Since email is not a secure method of communication, please do not send any sensitive information (e.g. Social Security or account numbers) via email. If you need to include sensitive information in your communication to us, please contact us by phone

  • How do I change my password?
    Log in to online banking and click on the “Preferences” tab. Then click “Change Password.”
  • How do I reset my Security Image?
    Log in to online banking and click on the “Preferences” tab. Then click “Change Security Questions.” You can change your challenge questions and your security image from here.
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Online Banking - Transfers

  • Which of my F&M accounts can I transfer money between?
    You can transfer funds between any accounts listed in your online banking profile. To add an account to your online banking profile refer to How do I add a checking, savings, money market, IRA, or CD account to Online Banking?”
  • Can I set up recurring or future e-dated transfers?
    Yes. Log in to online banking and click on the “Transfers” tab. From the drop-down box select the “transfer from” and the “transfer to” account. Then select the desired transfer frequency from the drop-down list.
  • Is there a fee for transferring money to another party?
    This function is only available to business customers under our Online Cash Management services. The fees for these services are $14.95 per month and $0.10 cents per electronic (ACH) transaction. Please visit Online Banking for more information.
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