F&M Bank's Online and Mobile Banking offers a customizable, easy-to-use client interface and a single user ID and password creating a simple and seamless online and mobile banking experience.

Online Banking Features

  • View real-time online activity
  • Check balances, transfer funds, and pay bills
  • Manage multiple accounts
  • Make Person-to-Person payments1
  • Immediately view mobile deposit images
  • Place stop payments
  • View eStatements and eNotices
  • Set up alerts (text2 and email)
  • Track finances using Personal Financial Management (PFM) tools upon enrollment1
  • Transfer funds to other financial institutions
  • Enroll for Online Banking

Bill Pay

  • Schedule payments in advance
  • Modify and cancel payments
  • Review payment history
  • Set up eBills
  • Expedite payments using same day or overnight service (additional fees apply)
  • Set reminders to alert you when payments are due

Mobile Banking Features2

  • Pay bills, view balances, search history and transfer funds
  • Deposit checks3
  • Login with fingerprint authentication for supported devices
  • Find the nearest F&M Office or ATM

Text Banking2

Text messages are a fast way to look up account balances, make transfers or even review recent history. To utilize Text Banking, text one of the following text commands to 226563. It has never been easier to stay up-to-date on your account.

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.

Transactions initiated after the cut-off times and on weekends and holidays for the services indicated below will be processed the next banking day.

Transaction cut-off times
External Transfers* Bill Payments
Cut-Off Time 3:00 pm 12:00 pm

*Please note external transfers may take 1-2 business days to be processed.

Some account features and benefits may be subject to separate application, agreement, fees, and/or approval. Terms, Conditions and Limitations may apply. Account features and benefits are subject to change with or without notice. For additional details, please refer to Services & Fees located at fmb.com/fees, or the agreement and disclosures provided at the time of account opening, or ask our office staff.

1Only available to clients with a personal debit card and a personal online banking profile. Terms, Conditions and Limitations apply.

2F&M Bank does not charge for this service, however, your wireless carrier may charge you fees related to this service.

3Availability of your deposited funds is based on F&M Bank's hold policies, are subject to verification and are not available for immediate withdrawal. Deposit limit and other restrictions apply.