Frequently Asked Questions
Go to www.fmb.com/locations and enter your zip code in the preferred location box to locate your nearest banking location.
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.
F&M's routing number is 122201198 and is located on the bottom of your checks.
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 our Locations link and scroll down to the desired branch to view business hours for that location.
* Not all branches are open on Saturdays.
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.
Go to www.fmb.com and 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 . * Farmers & Merchants Bank is an equal opportunity employer.
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 * for further assistance.
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.
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.
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.
Yes. Cashier’s checks are available to F&M account holders only. A $6.00 service fee may apply.
Yes. Money orders are available to F&M account holders only. A $4.00 service fee may apply.
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 30: Memorial Day
Monday, July 4: Independence Day
Monday, September 5: Labor Day
Monday, October 10: Columbus Day
Friday, November 11: Veterans Day
Thursday, November 24: Thanksgiving Day
Monday, December 26: Christmas Day
Personal 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.
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.
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.
No. The only accounts that qualify towards 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.
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.
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.
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.
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.
Online Banking (General):
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. For additional online security protection, F&M strongly recommends downloading our “Trusteer Rapport” browser security software. Click here to download now.
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.
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.
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.
The bill pay system automatically displays the earliest available date the vendor will receive the payment. You can accept this date or change it to a date of your choice.
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.
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 * for assistance.
Log in to online banking and click on the “Preferences” tab. Then click “Change Password.”
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.
Online Banking (Transfers):
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?”
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.
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.
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.
You may use Bank Find by visiting the FDIC’s website at http://www.fdic.gov
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.
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
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.
You may contact your local F&M office, the FDIC at 1-877-ASK-FDIC, or visit the FDIC’s website at http://www.fdic.gov