How It Works

  1. Visit m.fmb.com and click Enroll in Mobile Banking 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.

Frequently Asked Questions

GENERAL

What is Mobile Banking?

Mobile Banking gives you access to your accounts from your mobile web browser, a downloadable mobile banking application or SMS (Short Message Service or text messages) depending on your preference and your phone capabilities. All options allow you to: view account balances, view recent account activity, and find the nearest ATM or branch location.

How do I sign up for Mobile Banking?

F&M's Mobile Banking is available to all F&M consumer customers who have registered for Online Banking and are enrolled in Mobile Banking. Don't have Online Banking? Register now at https://portal8.secure-banking.com/60143002/enrollment_form.htm.

Mobile Banking Enrollment Instructions:

  1. Visit m.fmb.com to register for F&M's Mobile Banking. You will be prompted to verify your identity by entering the last four digits of your SSN, your account number, DOB, and date of last deposit made to your account.
  2. Next, you will select a User ID, Password and security questions.
  3. Either download the app or access the Mobile Banking Web at m.fmb.com
  4. Sign in using your Mobile Banking User ID and Password.

How much does this service cost?

Currently, F&M does not charge for our Mobile Banking service.* However, there may be charges associated with text messaging and data usage on your phone. Be sure to check with your wireless phone carrier for more information.

*F&M reserves the right to assess fees for the convenience of its mobile banking service.

Is it secure?

Yes, F&M Mobile Banking service utilizes best practice security services from 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. In the event your phone is lost or stolen, the service can be immediately disabled by either going online to the fmb.com/mobile or calling us at (866) 437‑0011.

Which wireless carriers are supported?

We support all the popular U.S. wireless phone carriers including AT&T, Sprint, T‑Mobile, and Verizon. If your carrier is not listed when you enroll, select 'Other' and try the Mobile Web option, or check back later as new carriers will be added over time.

Do I need a text message or data plan with my wireless carrier?

Yes, a text messaging and/or data plan is typically needed as data usage can become expensive without it. Please check with your wireless carrier for more information.

I'm not enrolled for Online Banking. Can I still use this?

Currently F&M Mobile Banking is only offered to our consumer Online Banking users. Don't have Online Banking? Register now at https://portal8.secure-banking.com/60143002/enrollment_form.htm. After you have registered for Online Banking, complete the following Mobile Banking Enrollment Instructions:

  1. Visit m.fmb.com to register for F&M's Mobile Banking. You will be prompted to verify your identity by entering the last four digits of your SSN, your account number, DOB, and date of last deposit made to your account.
  2. Next, you will select a User ID, Password and security questions.
  3. Either download the app or access the Mobile Banking Web at m.fmb.com.
  4. Sign in using your Mobile Banking User ID and Password.

What is Activation?

Activation is a one-time process that helps ensure your security. After you enroll a phone, you will receive an activation code, which will be required to begin using Text or Mobile Banking on your device. We recommend you print your activation code and installation instructions for easy reference during installation.

How do I install the downloadable application?

  • Your phone will receive a text message from 46379. Select to view (or open) the message (you can also view it later by going to your phone's text message inbox).
  • Select the http://m.fmb.com in the text message. This is typically done by selecting a command on your phone's menu, such as "Connect" or "Go To."
  • You will then be brought to a page with a Download link. Click this link to download the application.
  • When finished, you will be notified that the download completed.
  • After launching the application for the first time, you may be asked to give permission to access the data network. You will need to grant permission in order to proceed.

How do I access Mobile Banking on my phone's browser?

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

I activated Mobile Banking on my phone's browser. Why am I being asked to activate again?

At the time of activation, a "cookie" is stored on your phone's browser, which allows the Mobile Banking system to remember that you have activated. The cookie is only visible by the Mobile Banking system and does not contain personal information. Some phones may require you to enable cookies or periodically erase them, requiring reactivation. 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. If you would like to reactivate, text R or RECOVER to 46379.

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. Our Mobile Banking Specialists are available 6 days a week from 8:00 a.m. to 5:00 p.m. Monday through Thursday, 8:00 a.m. to 6:00 p.m. Friday, and 9:00 a.m. to Noon on Saturdays.

Can I access Bill Pay Online through Mobile Banking?

Not yet. We will be offering Mobile Pill Pay in a future release of our Mobile Banking platform. In the meantime, you can continue to enjoy Bill Pay with your Online Banking account on the web. We will update you once we release F&M Mobile Bill Pay.

How do I optimize my mobile web experience?

Ensure your phone's browser has cookies enabled. In addition, enable style sheets for the best viewing experience.

Is F&M Mobile Banking supported on my phone?

F&M Mobile Banking is supported on most cell phones with a mobile web browser that supports cookies. In addition, the downloadable application is supported on most iPhone®, iPad®, iPod touch® and Android devices.

MOBILE DEPOSIT

What is Mobile Deposit?

F&M Mobile Deposit is a convenient, easy way to deposit checks from your mobile phone into one of your accounts. With the F&M Mobile Banking app on your iPhone®, iPad®, iPod touch® or Android smartphone, you can 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 Banks's hold policies. Deposits are subject to verification and are not available for immediate withdrawal. Deposit limits and other restrictions apply.

Is there a bank fee to deposit my check with my mobile phone?

Currently, there is no bank fee for F&M Mobile Deposit to eligible customers.* There may be charges associated with text messaging and data usage on your phone. Check with your wireless phone carrier for more information.

*F&M reserves the right to assess fees for the convenience of its mobile banking services.

How do I know if I'm eligible to use F&M Mobile Deposit?

If you are eligible to use F&M Mobile Deposit you will see the "Deposit" tab on your iPhone®, iPad®, iPod touch® or "Deposit Check" on your Android smartphone after you download and sign in to the F&M Mobile Banking app. See "Where can I find the Deposit tab within my downloaded app?" for more details.

What are the eligibility requirements for F&M Mobile Deposit?

Current active consumer customers of F&M who are enrolled in Online Banking and have at least one eligible checking account1 in good standing2 are automatically eligible. Other accounts may be subject to approval.

1Any Personal Checking Account including Varsity Checking, Elite Checking, Interest on Checking and Special Checking accounts (e.g. Pink Checking or Symphony Checking). Business Checking accounts are not eligible.

2To be in good standing, a customer must have had no more than three NSFs (i.e. Non-Sufficient Funds) in the last 30 days and meet the qualifications of each eligible account.

Are there transaction limits with F&M Mobile Deposit?

Currently, deposits are limited to $1,000 per day and $3,000 for a 30-day rolling period.

Where can I find the Deposit tab within my downloaded app?

In order to see the Deposit tab, you must first download the latest version of the app from the App StoreSM or Google Play. Only those who are eligible to use F&M Mobile Deposit will see the Deposit tab.

Android smartphone users: When you first open the app, you will see the main menu screen. Select "View Accounts" and complete the login process. Next, select "Main Menu" and then "Home" (if required). If you are eligible for F&M Mobile Deposit, you see the Deposit Check option in the Main Menu. Select "Deposit Check" to begin your Mobile Deposit.

iPhone®/iPad®/iPod touch® users: Open the app and complete the login process. At the bottom of the home screen you will see an icon labeled "Deposit." Select the "Deposit" icon to begin your Mobile Deposit.

Can I use F&M Mobile Deposit with any mobile device?

You must download and install the latest version of the F&M Mobile Banking app from the App StoreSM or Google Play. Eligible phones include:

  1. iPhone® (3G or higher) with iOS 4.0 or higher. Older iPhones and devices without a camera are not supported.
  2. iPad® with camera functionality.
  3. iPod touch® with camera functionality.
  4. Android (2.1 or higher) with a camera that supports auto focus.

Are my checks deposited immediately?

Successfully submitting your check image with your mobile device will begin the deposit process. However, the processing time to complete the deposit may vary. The cut-off time for deposits made via F&M Mobile Deposit is 6:00 p.m. PST. If you make a deposit via F&M Mobile Deposit on a business day and before the cut-off time, we will consider that day to be the date of deposit. Business days are Monday through Friday, except for 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 receive an email notification by the first business day after the day we receive your deposit.

Deposits may be subject to additional case by case or exception holds. Check your "Deposit History" to see your deposit status.

How do I view my deposit history?

  1. Sign in to F&M Mobile Banking and select the "Deposit" tab.
  2. Select the "Get Deposit History" button and navigate to your check.
  3. Click on a single deposit to view the available transaction detail.

What should I do with the hard copies of my checks?

After successfully submitting a deposit with F&M Mobile Deposit, you must retain the original check for 90 days from the date of deposit, or keep a sufficient copy of the front and back of the item, until final settlement, should there be any dispute that the image does not satisfy legal equivalence requirements.

What types of checks are not eligible for F&M Mobile Deposit?

  • Checks must be made payable to only you. Joint checks or checks made payable to "Cash" are not allowed.
  • Checks must not be drawn on a foreign bank or payable in a foreign currency.
  • Checks must not be altered on the front in any way.
  • Checks must have an authorized signature. Demand drafts or remotely created checks are not allowed.
  • Checks must not be dated more than six months prior to the date of deposit.
  • Checks must not have previously been returned stop payment or account closed.

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 ‹insert your name›. See example below.

    Check
     
  2. Sign in to F&M Mobile Banking and select the "Deposit" tab.
  3. Select the "Start New Deposit" button and navigate to the check deposit screen. You will need to complete the check deposit form in order to submit your deposit request. Note: "Continue" will appear disabled until all required fields are completed.
  4. You should make sure your check is placed on a dark, well-lit, flat surface.
  5. Select either the "Front" or "Back" camera icon to take a photo of your check.
  6. Align the check image with the camera's viewfinder frame. Be sure to take a photo of the check side that matches the helper text???"Front" or "Back" in the viewfinder.
  7. Tap the camera icon in the viewfinder to take the picture. If the preview looks correct, select the "OK" button. If not, simply tap the "X" and try again.
  8. After you have successfully taken photos of your check, you will see small thumbnail image previews on the "Check Deposit" screen.
  9. In the "Amount" field, enter the amount of the check you are depositing. Be certain the entered amount matches the amount on the check.
  10. Tap the "Account" field to select a deposit eligible account.
  11. After all the required fields are completed, the "Continue" button will appear enabled.
  12. Review your entries and select the "Continue" button to complete the form.
  13. Select the "Deposit Check" button to finalize and submit your deposit request.

TEXT BANKING

What is Text Banking?

Text banking gives you access to your accounts via text messages (i.e. SMS or Short Message Service) on your phone. It's a fast, easy way to look up account balances or recent account history by sending a text command to a "shortcode."

How do I activate Text Banking?

Complete the mobile registration process for F&M Mobile Banking and create a User ID and password. Visit https://mbcat.mbankhost.com/mb21/wap/home/fam/en from your computer to enroll your phone and receive an activation code.

What is the F&M shortcode?

All text messages should be sent to 46379.

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.

Is Text Banking supported on my phone?

Text Banking should work on any text message (i.e. SMS or Short Message Service) capable phone from one of our supported carriers. We support all the popular U.S. wireless phone carriers including AT&T, Sprint, T‑Mobile, and Verizon. If your carrier is not listed when you enroll, select 'Other' and try the Mobile Web option, or check back later as new carriers will be added over time.

Will I receive unsolicited text messages from F&M?

No. You will only receive messages when you specifically request them with one of the Text Banking commands. F&M will never send you unsolicited text messages (or email messages). If you have not signed up for Text Messaging and you receive a message from what appears to be from F&M, please email us at information.security@fmb.com.

What are the Text Banking commands?

Function

Code

Description

Balance

B

Summary of available balances for all accounts

History

H

Summary of recent transactions per account

Command

C

List of available Text Banking commands

Help

HE

Help content for Text Banking

Login

L

Receive a URL for the Mobile Browser website

Stop

S

Deactivate all text services

NOTE: You can check for additional available commands by activating your phone and sending C to 46379.

I enrolled my 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 mobile carriers experience delays that slow down text message delivery. While waiting, make sure your phone has a wireless signal. In addition, be sure you entered the correct phone number on the enrollment site. If you still do not receive it, contact your wireless carrier to be sure text messaging is enabled on your phone.

I received an activation code but never used it. What do I do now?

Activation codes expire after a specific period of time (usually 24 hours). If you need a new one, return to the https://mbcat.mbankhost.com/mb21/wap/home/fam/en and request a new activation code.

What happens if I get a new phone or change phone numbers?

If you get a new phone or change phone numbers, be sure to return to https://mbcat.mbankhost.com/mb21/wap/home/fam/en and update your phone profile in the Mobile Banking Center. We recommend removing your old phone and re-enrolling your new phone.

Can I use Mobile Banking or Text Banking on more than one phone?

Yes. Visit https://mbcat.mbankhost.com/mb21/wap/home/fam/en and simply enroll and activate another phone number.

What if my device is lost or stolen?

If you are concerned about misuse of your phone, contact your mobile service provider immediately to stop all wireless service. Additionally, visit https://mbcat.mbankhost.com/mb21/wap/home/fam/en and disable or remove your phone.

MOBILE REGISTRATION

What is mobile registration?

Mobile registration is a three-step process that allows you to register for F&M's Mobile Banking from your computer or mobile device. You will need to verify your identity (be sure to have the last four digits of your SSN, your account number, DOB, and date of last deposit made to your account), select security questions and create a User ID and Password. Passwords must be between 8-16 characters long, include one capital letter and one numerical digit, and must not include special characters. User Names must be between 6-20 characters long and must not include special characters.

I'm enrolled in Online Banking. Can I use my Online Banking login credentials for F&M's Mobile Banking?

You must complete the mobile registration process to create login credentials for F&M's Mobile Banking. If your Online Banking credentials meet the criteria for mobile banking registration and they are not already in use, you may be able to use the same login credentials.

How do I enroll my device to use F&M Mobile?

Complete the mobile registration process. Enter your User ID and Password to sign on to your mobile banking product. You will provide your mobile phone number the first time you sign on to enroll your device and complete the enrollment process.

How do you use the information that I provide during mobile registration?

The information you provide to verify your identity is used to validate account ownership. Only your security questions and answers, and User ID and Password are stored by our system.

How do I change my password and/or security questions?

Visit https://mbcat.mbankhost.com/mb21/wap/home/fam/en and select "Forgot User ID or Password" to select new credentials. You will need to validate your identity again by entering the last four digits of your SSN, your account number, DOB and date of last deposit made to your account. You will need to select new security questions and a new Password. Passwords must be between 8-16 characters long, include one capital letter and one numerical digit, and must not include special characters. User Names must be between 6-20 characters long and must not include special characters.

What if I forget my password?

Visit https://mbcat.mbankhost.com/mb21/wap/home/fam/en and select "Forgot User ID or Password" to select new credentials. You will need to validate your identity again by entering the last four digits of your SSN, your account number, DOB and date of last deposit made to your account. You will need to select new security questions and a new Password. Passwords must be between 8-16 characters long, include one capital letter and one numerical digit, and must not include special characters.

What if I forget the answer to my security question?

Visit https://mbcat.mbankhost.com/mb21/wap/home/fam/en and select the "Forgot Answer" link. For your security, you will need to validate your identity again by entering the last four digits of your SSN, your account number, DOB and date of last deposit made to your account. You will also be prompted to select new security questions and input answers.

I selected "Remember this Device." Why am I being asked to answer my security question?

The "Remember this Device" setting will expire after 60 days of inactivity within the mobile registration system. You will also need to re-enter your User ID and Security Questions if you clear your cache on your computer or smartphone as F&M Mobile Banking's cookies will be deleted.

How do I install the downloadable application after registration?

Visit https://mbcat.mbankhost.com/mb21/wap/home/fam/en If a downloadable application is available for your device, a Download link will be visible. If a downloadable application is not available for your device, you may use the mobile web version https://mbcat.mbankhost.com/mb21/wap/home/fam/en Alternatively, you may also download the latest version of the app from the App StoreSM or Google Play.



iPhone®, iPad® and iPod touch® are trademarks of Apple Inc., registered in the U.S. and other countries.
App Store is a service mark of Apple Inc. Android is a trademark of Google Inc.


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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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