How It Works

  1. Visit m.fmb.com to register for F&M’s Mobile Banking. You will be prompted to verify your identity.
  2. Next, you will select a User ID, Password and security questions.
  3. Either download the app or access the Mobile Banking Web here.
  4. Sign in using your Mobile Banking User ID and Password.

Mobile Deposit

It’s almost like having an ATM on your phone.

FMB Mobile Deposit is an easy and convenient way to deposit checks from your mobile phone into one of your accounts.* With the F&M Mobile Banking app on your iPhone®, iPad®, select iPod touch® devices that support camera functionality or Android™ smartphone, you can take a photo of your check, enter the check information and securely submit your deposit for processing.**

*Certain eligibility requirements apply.
**Availability of your deposited funds is based on F&M Banks’s hold policies. Deposits are subject to verification and are not available for immediate withdrawal. Deposit limits and other restrictions apply.

Features & Benefits

  • Deposit: Scan checks for deposit.
  • History: View deposit history.
  • Convenience: Bank while you’re on the go.
  • Security: Know your account information is safe at all times.

Security with Mobile Banking

F&M’s Mobile Banking service utilizes best practice security services for Online Banking such as HTTPS, 128‑bit SSL encryption, PIN or password access, and application time‑out when your phone is not in use. Only the phones that you personally enroll in the service can access your accounts. In addition, no account data is ever stored on your phone. If your phone is lost or stolen, you can disable the service immediately by either going online to m.fmb.com or calling us at (866) 437‑0011. Learn More

Frequently Asked Questions




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By clicking the button below, you are navigating to a third party website not maintained by F&M Bank. The third party is solely responsible for the content of its website including its privacy policy and the products and service it offers. If you do not wish to proceed, you can close this box to return to the F&M Bank website.
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By clicking the button below, you are navigating to a third party website not maintained by F&M Bank. The third party is solely responsible for the content of its website including its privacy policy and the products and service it offers. If you do not wish to proceed, you can close this box to return to the F&M Bank website.
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By clicking the button below, you are navigating to a third party website not maintained by F&M Bank. The third party is solely responsible for the content of its website including its privacy policy and the products and service it offers. If you do not wish to proceed, you can close this box to return to the F&M Bank website.


Notice of Changes in Temporary FDIC Insurance Coverage for Transaction Accounts

All funds in a "noninterest-bearing transaction account" are insured in full by the Federal Deposit Insurance Corporation from December 31, 2010, through December 31, 2012. This temporary unlimited coverage is in addition to, and separate from, the coverage of at least $250,000 available to depositors under the FDIC’s general deposit insurance rules.

The term "noninterest-bearing transaction account" includes a traditional checking account or demand deposit account on which the insured depository institution pays no interest. It also includes Interest on Lawyers Trust Accounts ("IOLTAs"). It does not include other accounts, such as traditional checking or demand deposit accounts that may earn interest, NOW accounts, and money-market deposit accounts.

For more information about temporary FDIC insurance coverage of transaction accounts, visit www.fdic.gov
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