Mobile Banking FAQs

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.

F&M's Mobile Banking is available to all F&M clients. Simply download the mobile app and follow the on-screen prompts. Download FMB-Mobile.2.0 on the App Store here and get it on the Google Play Store here.

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.

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.

We support all the popular U.S. wireless phone carriers including AT&T^®, Sprint^®, T-Mobile^®, and Verizon^®.

Yes, text messaging and data plans are typically needed. Please ask your wireless carrier for more information.

After successful enrollment, your phone will receive a text message with your Mobile Banking URL.

Yes. You will have the ability to send payments from your mobile device.

Ensure your mobile phone's browser has cookies enabled.

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 Android^TM devices.

Yes. The New F&M Online and Mobile Banking is one seamless user experience utilizing a single User ID and 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.

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.

Yes, you make bill payments and set-up new payees in the mobile banking app. 

Yes, you can add payees within the mobile banking app.

Yes, you are able to schedule a payment for future date(s).

Yes, you can schedule a recurring payment within the mobile banking app. 

Yes, you can cancel a bill payment within the mobile banking app. 

Yes, you can view Bill Pay history within the mobile banking app. 

Yes, you can select from any of your checking accounts with available funds.

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.

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.

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.

Certain eligibility requirements apply for this service. If you are eligible to use Mobile Check Deposit you will see the option to Deposit Check under the Transactions menu after you download and log in to the FMB-Mobile 2.0 App.

Currently, deposits are limited to $5,000 per day and $10,000 per month. Limits can change without notice. Please refer to Services and Fees for current limits and other details.

The Deposit Check option is located under the Transactions menu within F&M Bank's Mobile Banking.

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. Android^TM Phones (2.1 or higher)

Availability of your deposited funds is based on F&M’s hold policies, are subject to verification and are not available for immediate withdrawal.

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.

1. Log into your F&M Mobile Banking App and select the “Menu” button.
2. From the drop down menu, select “Transactions.”
3. In the “Transactions” sub menu, select “Deposit Check.”
4. Select the account you would like to deposit the check into.
5. Enter the check amount and tap “Save.” Then tap on “Capture Image.”
6. Take a photo of the front and back of your check using the camera on your mobile phone, then tap “Submit.”
7. Once your check has been successfully deposited, a confirmation screen will appear. Tap “Close” to return to your home screen.

Please see our detailed How-to Guide for screen images of the Mobile Check Deposit process.

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.

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 2.0 App
    • Select Permissions
    • Activate the camera
  • iPhone®
    • Open the device Settings
    • Choose the F&M Mobile 2.0 App
    • Activate the camera

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

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.

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 226563. 

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.

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.

All text messaging should be sent to 226563.

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.

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®.

No, you will only receive messages when you specifically request them with one of the Text Banking commands.

Commands for Text Banking

Text Command	Description
Bal	Request available balances for all linked accounts.
Bal + account nickname	Request available balance for a specific account. Example: BAL acct1
HISTORY / HIST + account nickname	Request a list of the last 10 transactions for a specific account.
TRANSFER / XFER + account nickname1 account + nickname2 amount	Transfer a specified amount between linked accounts. Example: TRANSFER acct1 acct2 100.00
LIST	Request a list of all available text commands.
HELP	Request a contact phone number and website address.
STOP	Disable Text Banking and stop all further text message communications.

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 when you registered within Online Banking. If you still do not receive it, contact your wireless carrier to be sure text messaging is enabled on your phone.

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.

No. Your mobile phone is linked to your Online Banking profile.

If you are concerned about misuse of your mobile phone, contact your wireless carrier immediately to stop all wireless service.

Text "Stop" to 226563. Your Text Banking service will be disabled.

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.

Yes, you can approve wires or ACH transactions through Mobile Banking.

Yes, you can initiate wires or ACH transactions through Mobile Banking.

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.

Biometric authentication is a security process that relies on the unique biological characteristics, such as fingerprints or facial features of an individual to verify that he is who is says he is.

Touch ID® is only available for Apple iOS Touch ID® enabled devices (iPhone 5s or later).

Touch ID® allows you to log into the FMB mobile banking app with your fingerprint after you have enabled it on your mobile device.

Touch ID® is designed to be secure, but we do not recommend using Touch ID® if you share the device passcode with others.

You must update the FMB Mobile Banking app to version 3.0.8.

No. Once Touch ID® has been enabled, your fingerprint is the only required login credential.

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.

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.