General Mobile FAQs

  • 1. What is Mobile Banking?
    Mobile Banking allows you to access your personal and business accounts from your mobile device or smartphone through a downloadable mobile app or SMS (Short Message Service or text messages) depending on your preference and your phone capabilities.
  • 2. How do I sign up for Mobile Banking?
    F&M's Mobile Banking is available to all F&M clients who have enrolled in F&M Online Banking. You can enroll for Online Banking at fmb.com. Complete these instructions to enroll in Mobile Banking:
    1. Log in to Online Banking at fmb.com, select Other Services and then Mobile Banking.
    2. Review and accept the Mobile Banking Addendum.
    3. Establish a mobile user name, enter your mobile phone number and choose a password.
    4. Click Enroll.
    5. Visit the app store for your mobile device and download the FMB-Mobile App.
  • 3. How much does Mobile Banking cost?
    Currently, F&M Bank does not charge for this service, however your wireless carrier may charge you fees related to this service. Please ask your wireless carrier for more information. F&M reserves the right to assess fees for this service.
  • 4. Is Mobile Banking secure?
    Yes, F&M Mobile Banking service utilizes best practice security services from Online Banking such as HTTPS, TLS encryption, password access, biometrics and application time-out when not in use. Only the phones that you enroll can access your bank accounts. In addition, no account data is ever stored on your phone. In the event your phone is lost or stolen, Mobile Banking can be immediately disabled by logging in to Online Banking at fmb.com or calling us at (866) 437-0011.
  • 5. Which wireless carriers are supported?
    We support all the popular U.S. wireless phone carriers including AT&T®, Sprint®, T-Mobile®, and Verizon®.
  • 6. Do I need a text message or data plan with my wireless carrier?
    Yes, text messaging and data plans are typically needed. Please ask your wireless carrier for more information.
  • 7. I'm not enrolled for Online Banking. Can I still use Mobile Banking?
    Currently F&M Mobile Banking is only offered to F&M Online Banking clients. You can enroll for Online Banking at fmb.com. Business clients will need to submit an application for enrollment. After you have enrolled for Online Banking, complete these instructions to enroll in Mobile Banking:
    1. Log in to Online Banking at fmb.com, select Other Services and then Mobile Banking.
    2. Review and accept the Mobile Banking Addendum.
    3. Establish a mobile user name, enter your mobile phone number and choose a password.
    4. Click Enroll.
    5. Visit the app store for your mobile device and download the FMB-Mobile App.
  • 8. How do I install the Mobile Banking App?
    You must first enroll for Mobile Banking through Online Banking.
    1. Visit the app store for your mobile device and search for FMB-Mobile.
    2. Click Download.
    3. Once Downloaded, Select Open.
  • 9. How do I access Mobile Banking on my mobile phone's browser?
    After successful enrollment, your phone will receive a text message with your Mobile Banking URL.
  • 10. I accessed Mobile Banking on my mobile phone's browser. Why am I being asked to answer an authentication question again?
    When you first access Mobile Banking, you will have to answer one of your existing MFA (Multi Factor Authentication) questions. At this time, a "cookie" is stored on your mobile phone's browser, which allows the Mobile Banking system to remember you have accessed it before. The cookie is only visible by the Mobile Banking system and does not contain your personal information. Some mobile phones may require you to enable cookies or periodically erase them, requiring the MFA question to appear again. If you are experiencing this issue, check your phone settings to ensure that cookies are enabled. If cookies are enabled and the issue persists, please contact your wireless carrier for cookie support information on your mobile phone.
  • 11. Can I access Bill Pay through Mobile Banking?
    Yes. You will have the ability to send payments from your mobile device. Any new payee will need to be created through Online Banking.
  • 12. How do I optimize my mobile web experience?
    Ensure your mobile phone's browser has cookies enabled.
  • 13. Is F&M Mobile Banking supported on my mobile phone?
    F&M Mobile Banking is supported on most mobile phones with a mobile web browser that supports cookies. In addition, the downloadable app is supported on most iPhone®, iPad®, and AndroidTM devices.
  • 14. What is Mobile Banking registration?
    Mobile Banking registration is a three-step process that allows you to register for F&M Mobile Banking from your computer or mobile browser. Log in to Online Banking and enroll for Mobile Banking under Other Services. Select a user name and password. Enter your mobile phone number. User names must be between 6-25 characters long. Passwords must be between 4-15 characters long and include at least one letter and one numerical digit.
  • 15. I'm enrolled in Online Banking. Can I use my Online Banking Log in credentials for F&M Mobile Banking?
    Yes, you can use your existing Online Banking Log in credentials as long as they meet the criteria for Mobile Banking registration and they are not already in use.
  • 16. How do I change my password and/or security questions?
    You can change your password by logging into your FMB-Mobile App, selecting Settings, and then selecting Change Password. You can also change your password by logging into Online Banking through a computer or a mobile browser and selecting Change Password under Other Services. To change your security questions, you will need to call us at (866) 437-0011 for assistance.
  • 17. Who can I contact if I have questions?
    If you need help setting up F&M Mobile Banking or have questions about how to use it, please call us toll free at (866) 437-0011. F&M Bank’s Client Care Center is available between the hours of 7:00 a.m. to 9:00 p.m. Monday through Friday, 8:00 a.m. to 9:00 p.m. Saturday, and 8:00 a.m. to 5:00 p.m. Sunday PT.
  • 18. Can I reset my password if I’m locked out of Mobile Banking?
    Yes. You can reset your password by logging into Online Banking through a computer or a mobile browser and selecting Change Password under Mobile Banking.
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Bill Pay for Mobile

  • 1. Can I pay bills with the Mobile App?
    Yes, you are able to make bill payments to any existing payee currently set up in Bill Pay. Payees are set up by logging into Online Banking through a computer or mobile browser. Payees are not able to be added within the mobile app.
  • 2. Can I add payees within the Mobile App?
    No, you can add payees by logging into Online Banking through a computer or mobile browser.
  • 3. Can I schedule a future dated payment in the Mobile App?
    Yes, you are able to schedule a payment for future date(s).
  • 4. Can I schedule a recurring payment?
    No, you can schedule a recurring payment by logging into Online Banking through a computer or mobile browser.
  • 5. Can I cancel a bill payment with the Mobile App?
    No, you can cancel bill payments by logging into Online Banking through a computer or mobile browser.
  • 6. Can I view my bill payment history with the Mobile App?
    No, you can view bill payment history by logging into Online Banking through a computer or mobile browser.
  • 7. Can I pay from different checking accounts?
    Yes, you can select from any of your checking accounts with available funds.
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Mobile Check Deposit

  • 1. What is Mobile Check Deposit?
    Mobile Check Deposit is an easy and convenient way to deposit checks into your accounts from your mobile phone or device. Take a photo of your check, enter the check information and securely submit your deposit for processing. Availability of your deposited funds is based on F&M's hold policies, are subject to verification and are not available for immediate withdrawal. Deposit limits and other restrictions apply.
  • 2. How much does Mobile Check Deposit cost?
    Currently, F&M Bank does not charge for this service, however your wireless carrier may charge you fees related to this service. Please ask your wireless carrier for more information. F&M reserves the right to assess fees for this service.
  • 3. What are the eligibility requirements for Mobile Check Deposit?
    Currently, active F&M clients who are enrolled in Online Banking and have at least one eligible checking account in good standing are automatically eligible. Other accounts may be subject to approval. To be in good standing, a client must have had no more than 3 NSFs (Non-Sufficient Funds) in the last 30 days and meet the qualifications of each eligible account.
  • 4. How do I know if I'm eligible to use Mobile Check Deposit?
    Certain eligibility requirements apply for this service. If you are eligible to use Mobile Check Deposit you will see the Deposit menu option on your mobile phone after you download and log in to the FMB-Mobile App. See "Where can I find Deposit within my downloaded app?" for more details.
  • 5. Are there transaction limits with Mobile Check Deposit?
    Currently, deposits are limited to $2,500 per day and $5,000 per month. Limits can change without notice. Please refer to Services and Fees for current limits and other details.
  • 6. Where can I find Deposit within my downloaded app?
    In order to see the Deposit menu item, you must first download the latest version of the FMB-Mobile App. Only clients who are eligible to use Mobile Check Deposit will see the Deposit option.
    1. Open the app and log in.
    2. From the home screen, select Menu.
    3. Select Deposit.
    4. Select Deposit Check.
  • 7. Can I use Mobile Check Deposit with any mobile device?
    You must download and install the latest version of the FMB-Mobile App. Older mobile phones and devices without a camera are not supported. Eligible phones include:
    1. iPhone® (3G or higher) with iOS 4.0 or higher.
    2. iPad® with camera functionality.
    3. AndroidTM Phones (2.1 or higher)
  • 8. Are my checks deposited immediately?
    Successfully submitting your check image with your mobile device will begin the deposit process. The processing time to complete the deposit varies. The cut-off time for deposits made through Mobile Check Deposit is 6:00 pm PT. If you make a deposit before the cut-off time on a business day, we will consider that day to be the date of deposit. Business days are Monday through Friday with the exception of federal holidays. Deposits made at any other time will be considered deposits made on the next business day. If your deposit is declined for any reason (e.g. the check was previously deposited), you will not see it post to your account. There is no notification if the deposit is declined. You must view your Deposit History to see the status of your deposit. Deposits may be subject to additional case by case or exception holds.
  • 9. How do I view my deposit history?
    1. Log in to F&M Mobile Banking and select Deposit from the Menu.
    2. Select Deposit History.
    3. Click on a single deposit to view the available transaction detail.
  • 10. What should I do with the hard copies of my checks?
    After successfully submitting a deposit with Mobile Check Deposit, you must retain the original check or keep a sufficient copy of the front and back of the item for 90 days from the date of deposit until final settlement, should there be any dispute that the image does not satisfy legal equivalent requirements.
  • 11. What types of checks are not eligible for Mobile Check Deposit?
    1. Checks must be made payable to only you. (Joint checks or checks made payable to "Cash" are not allowed).
    2. Checks must not be drawn on a foreign bank or payable in a foreign currency.
    3. Checks must not be altered on the front in any way.
    4. Checks must have an authorized signature. Demand drafts or remotely created checks are not allowed.
    5. Checks must not be dated more than six months prior to the date of deposit.
    6. Checks must not have previously been returned stop payment or account closed.
  • 12. How do I deposit a check?
    1. Before you begin, properly endorse your check. The endorsement should read: "For Deposit Only to FMB Account of ." See example below.Back of Check Image
    2. Log in to F&M Mobile Banking and select Deposit from the Menu.
    3. Select Deposit Check.
    4. Select the Deposit To account.
    5. Enter the amount of the check.
    6. Place your check on a dark, well-lit, flat surface.
    7. Select either the "Front" or "Back" camera icon to take a photo of your check.
    8. Align the check image with the camera's viewfinder frame. Be sure to take a photo of the side of the check that matches the helper text "Front" or "Back" in the viewfinder.
    9. For Apple® devices: Tap the camera icon in the viewfinder to take the picture. If the preview looks correct, select "Use Photo" or select "Retake" to try again.
    10. For AndroidTM smartphones: Tap the camera icon in the viewfinder to take the picture. If the preview looks correct, select the "ચ" or select "↺?" to try again.
    11. After you have successfully taken photos of your check, you will see it on a small thumbnail preview of the image on the Check Deposit screen.
    12. After all the required fields are completed, select Make Deposit.
    13. Review your entries and select Confirm to complete the deposit.
  • 13. My camera doesn’t work in the Mobile App, what can I do?

    In order to use the Mobile Deposit feature, the App requires access to your camera for capturing the check images. Activating the camera may vary depending on the type of phone.

    • Activating your camera:
      • Android™ (setting changes may vary by phone type)
        • Open the device Settings
        • Select Apps
        • Select the F&M Mobile App
        • Select Permissions
        • Activate the camera
      • iPhone®
        • Open the device Settings
        • Choose the F&M Mobile App
        • Activate the camera
  • 14. Why am I receiving and error message when submitting my deposit?

    If you are receiving an error message when submitting your deposit, there may be an issue with the captured image. Many of the newer mobile features such as HDR (High Dynamic Range), “Live” photos, and auto-zoom may cause the processing of the check image to fail. Use the following steps to review your camera settings to ensure successful completion of your deposit.

    • Disabling HDR Mode
      • Android™
        • Open Camera app
        • Select Settings
        • Turn off HDR (Located under shooting method/mode)
      • iPhone®
        • Open Camera app
        • Select HDR
        • Select Off
    • Disabling “Live” photo for iPhone®
      • Open Camera app
      • Select  Icon
      • Ensure response displays “Live OFF”
    • Auto-Zoom Troubleshoot
      • Hold camera further away from the check
      • Center check in the middle of the screen
      • Review the check image to ensure that all corners of the check have been captured
  • 15. Who can I contact if I have questions?
    If you need help setting up F&M Mobile Check Deposit or have questions about how to use it, please call us toll-free at (866) 437-0011.  F&M Bank’s Client Care Center is available between the hours of 7:00 a.m. to 9:00 p.m. Monday through Friday, 8:00 a.m. to 9:00 p.m. Saturday, and 8:00 a.m. to 5:00 p.m. Sunday PT.
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Text Banking - Mobile

  • 1. What is Text Banking?
    Text Banking gives you access to your accounts via text messages (i.e. SMS or Short Message Service) on your mobile phone. You can request to see account balances or recent account history by texting a command to F&M's short code number 469228. You must be enrolled in F&M's Online Banking and Mobile Banking to enroll.
  • 2. How much does Text Banking cost?
    Currently, F&M Bank does not charge for this service, however your wireless carrier may charge you fees related to this service. Please ask your wireless carrier for more information. F&M reserves the right to assess fees for this service.
  • 3. How do I activate Text Banking?
    Complete enrollment for F&M Mobile Banking. After you enter your mobile phone number, you will receive an SMS text message with instructions on how to enroll in Text Banking. Reply "Yes" to the text message to complete enrollment in Text Banking.
  • 4. What is the F&M short code number?
    All text messaging should be sent to 469228.
  • 5. Can I use both Text Banking and Mobile Banking on my phone?
    Yes, you can use both mobile banking options from the same phone. To do so, you will need to activate each option on your phone prior to use.
  • 6. Is Text Banking supported on my phone?
    Text Banking should work on any mobile phone capable of text messaging (i.e. SMS or Short Message Service) from one of our supported carriers. We support all the popular U.S. wireless phone carriers including AT&T®, Sprint®, T-Mobile®, and Verizon®.
  • 7. Will I receive unsolicited text messaging from F&M Bank?
    No, you will only receive messages when you specifically request them with one of the Text Banking commands.
  • 8. What are the Text Banking commands?
    Text Commands
  • 9. I enrolled my mobile phone number, but did not receive a text message. What should I do?
    Typically, you should receive a text message within a few minutes after enrolling. However, sometimes wireless carriers experience delays that slow down text message delivery. While waiting, make sure your mobile phone has a wireless signal. In addition, be sure you entered the correct phone number on the Mobile Banking web page. If you still do not receive it, contact your wireless carrier to be sure text messaging is enabled on your phone.
  • 10. What happens if I get a new mobile phone or change phone numbers?
    If you get a new mobile phone or change phone numbers, be sure to return to Online Banking and update your mobile phone profile. You will need to download the app through your new mobile phone's app store and register your new mobile phone.
  • 11. Can I use Text Banking on more than one mobile phone?
    No. Your mobile phone is linked to your Online Banking profile.
  • 12. What if my device is lost or stolen?
    If you are concerned about misuse of your mobile phone, contact your wireless carrier immediately to stop all wireless service. Additionally, log in to Online Banking and select Un-enroll under the Mobile tab.
  • 13. How do I opt out of Text Banking?
    Text "Stop" to 469228. Your Text Banking service will be disabled.
  • 14. Who can I contact if I have questions?
    If you need help setting up F&M Text Banking or have questions about how to use it, please call us toll-free at (866) 437-0011.  F&M Bank’s Client Care Center is available between the hours of 7:00 a.m. to 9:00 p.m. Monday through Friday, 8:00 a.m. to 9:00 p.m. Saturday, and 8:00 a.m. to 5:00 p.m. Sunday PT.
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Mobile Features for Business Clients

  • 1. Can I approve wires or ACH transactions in Mobile Banking?
    Yes, you can approve wires or ACH transactions through Mobile Banking. Select Approvals from the Menu options to either Approve or Reject transactions.
  • 2. Can I initiate wires or ACH transactions in Mobile Banking?
    No, you can initiate wires or ACH transactions in Cash Manager by logging in to Online Banking through a computer or mobile browser.
  • 3. I am a Business User and I don't see Mobile Banking under Other Services?
    The Supervisor for your Business Online Banking profile has to enable Mobile Banking and Remote Mobile Deposit Capture for you. Please contact your Supervisor and look again after the profile has been enabled.
  • 4. I am a Business Supervisor. How do I enable Mobile Banking and/or Mobile Remote Deposit Capture for my employees/users?
    You can enable Mobile Banking by logging into Online Banking and selecting Cash Manager. Select Administration, then select your employees/users. Under Base Features, select Mobile Banking to enable Mobile Banking and/or select Mobile Remote Deposit Capture to enable the ability to deposit checks.
  • 5. I am a Business Supervisor. How do I disable Mobile Banking and/or Mobile Remote Deposit Capture for my employees/users?
    You can disable Mobile Banking by logging into Online Banking and selecting Cash Manager. Select Administration, then select your employees/users. Under Base Features, unselect Mobile Banking to disable Mobile Banking and/or unselect Mobile Remote Deposit Capture to disable the ability to deposit checks.
  • 6. Who can I contact if I have questions
    If you need help with mobile features for Business clients, please call us toll-free at (866) 437-0011.F&M Bank’s Client Care Center is available between the hours of 7:00 a.m. to 9:00 p.m. Monday through Friday, 8:00 a.m. to 9:00 p.m. Saturday, and 8:00 a.m. to 5:00 p.m. Sunday PT.
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Touch ID

  • 1. What is Touch ID®?
    Touch ID® is Apple’s fingerprint authentication technology. You can use your fingerprint instead of your username and password to access FMB Mobile Banking.
  • 2. Will Touch ID® work on Android and iPhones?
    Touch ID® is only available for Apple iOS Touch ID® enabled devices (iPhone 5s or later).
  • 3. How does Touch ID® work?
    Touch ID® allows you to log into the FMB mobile banking app with your fingerprint after you have enabled it on your mobile device.
  • 4. Does Touch ID® prevent others from accessing my mobile banking on my device?
    Touch ID® is designed to be secure, but we do not recommend using Touch ID® if you share the device passcode with others.
  • 5. How do I set up Touch ID®?
    Download or update the FMB Mobile Banking app. Enter your User ID, password and toggle the button to “Remember Username.” Upon logging in, you will be prompted with the option to use Touch ID® to login.
  • 6. I’ve logged into the FMB Mobile Banking app, but do not see the option for Touch ID® in the settings menu?
    You must update the FMB Mobile Banking app to version 3.0.8.
  • 7. Will a password be required when using Touch ID®?
    No. Once Touch ID® has been enabled, your fingerprint is the only required login credential.
  • 8. How do I disable Touch ID®?
    Log into the FMB Mobile Banking app. From the “Settings menu,” toggle the button for “Use Touch ID®” to “Off.”
  • 9. If the device does not recognize my fingerprint or does not support Touch ID®, can I still access my account?
    Yes. You always have the option of logging in with your username and password. After two active app sessions of failed attempts to recognize your fingerprint, your device passcode is required to enable Touch ID® on the device and for the app.
  • 10. What if my Touch ID® enabled device is lost or stolen?
    If your mobile device is lost or stolen and/or you feel your login credentials may have been compromised, please contact us at (866) 437-0011, M-F 7am-9pm, Sat 8am-9pm, and Sun 8am-5pm PT.
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