Important Information Regarding 2021 IRS Tax Forms: A new format is on the way for 2021 IRS tax forms issued by F&M Bank. Beginning in January, F&M will use the standard IRS format for clients receiving an IRS tax form for the 2021 calendar year. Questions? Please contact the F&M Client Care Center at (866) 437-0011.
F&M will be closed on Monday, January 17th in honor of Martin Luther King, Jr. Day.
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 25 offices serving Long Beach, Orange County, South Bay, and Santa Barbara. 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 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 firstname.lastname@example.org.* 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 email@example.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 place a stop payment on a paper check or electronic (ACH) transaction by coming into an office or by calling Telebanker 24/7 toll free at (855) 416-5747. A fee is assessed for this service.
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 into online banking and click “Services,” and then "Change Address." You can also update your phone number and email. Once complete, 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?
A service fee may apply.
Does F&M offer money orders?
A service fee may apply.
What is the bank's holiday schedule for 2021?
Farmers & Merchants Bank offices will be closed in observance of the following holidays:
Friday, January 1: New Year’s Day
Monday, January 18: Martin Luther King Jr. Day
Monday, February 15: Presidents’ Day
Monday, May 31: Memorial Day
Monday, July 5: Independence Day
Monday, September 6: Labor Day
Monday, October 11: Columbus Day
Thursday, November 11: Veterans Day
Thursday, November 25: Thanksgiving Day
Saturday, December 25: Christmas Day
How do I protect my F&M Debit Card online transactions?
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 your specific deposit insurance coverage 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. The FDIC's Electronic Deposit Insurance Estimator can help you determine your specific deposit insurance coverage for your 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.
Personal Checking Accounts
Why does the primary account holder have to consent to share balance information with other parties on the Silver, Gold and Platinum Checking accounts?
In the event that any joint signer inquires on why they received a Maintenance Fee on their Silver, Gold, or Platinum account, the Bank may disclose the existence and balances of account(s) on which the joint signer(s) may not be related.
How does the bank calculate the combined average daily balance in a checking and/or savings account(s) for Silver, Gold, and Platinum Checking accounts?
The combined average daily (ledger) balance is the sum of the average daily balances in the Silver, Gold, or Platinum Checking Account and in each checking and/or savings account(s) (w/ a primary or joint relationship) that are related to the primary accountholder. The combined total is calculated by adding the combined average daily (ledger) balance and the ledger (current) balance.
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?
Yes. The primary accountholder of a Silver, Gold, or Platinum Checking account must have a primary or joint relationship to the CD account in order for it to count towards the combined average daily balance.
Do CDs and IRAs qualify for the combined balance for waiving Maintenance Fee for Silver, Gold, and Platinum Checking accounts?
Yes. The primary accountholder of a Silver, Gold, or Platinum Checking account must have a primary or joint relationship to the CD and IRA account in order for it to count towards the combined average daily balance.
Do money market accounts count for the combined balance requirement for waiving the Maintenance Fee?
Yes. The primary accountholder of a Silver, 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 Silver, Gold, and Platinum Checking account?
It depends. Only the Silver, 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, Bronze, Silver, Senior, Special, and Interest on 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.
Online Banking - General
How can I protect my account?
You can protect your personal or business online banking profile by making sure your computer has the latest version of anti-virus software, keeping your account contact information up-to-date for notifications and not sharing your login credentials.
What is the cut-off time to schedule an online transfer?
Internal transfers take effect immediately. F&M account external transfers submitted after 3:00 pm will be processed the following banking day. Please note external transfers may take 1-2 business days to be processed. Internal transfers are not available for Business accounts.
What is the cut off time for submitting Wire Transfers through Online Banking?
Domestic and International Wire Transfers submitted before 2pm PT on a business day will be processed the same day. Wire Transfers submitted after 2pm PT will be sent the next business day.
How much history can I view online?
At initial login, you will have access to 6 months of transaction history. Over time, the system will eventually hold up to 24 months of transaction history. However, you will have access to 3 years worth of 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. Select which method you would like to receive a secure access code - email, text or voice call. Otherwise, you can call Online Banking support at (562) 344-2370 for assistance.
How do I change my password?
Log in to F&M Online Banking. Select Security Preferences under the Services menu. Select Change Password. Enter your old password, create a new password, and confirm your new password following the onscreen password criteria. Once complete, select Change Password.
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.
Can I set up recurring or future e-dated transfers?
You can transfer funds between any account listed in your online banking profile. You can also transfer funds between accounts held at other financial institutions. First you will need to "Add and Verify" the external account. You may do so by selecting "Add External Account" from the "Transactions" menu. Follow the onscreen instructions for adding and verifying your other bank accounts.