Farmers & Merchants Bank together with Zelle

Send and Receive Money with Zelle®

F&M Bank is excited to partner with Zelle® to bring you a convenient way to send money straight from F&M Online & Mobile Banking.

Whether it's saving you a trip to the ATM or taking out the guesswork of divvying up the cost of a lunch tab, Zelle® is a fast, safe, and easy way to send to and request money with friends, family, and others you trust using your Bank account1. All you need is the recipient's email address or U.S. mobile phone number to send money. Best of all, money typically arrives within minutes between enrolled users.

Getting started is easy. All you have to do is complete the following one-time enrollment. Please note, the following steps will not be available until October 7.

  1. Log into Personal Online Banking
  2. Navigate to Transactions
  3. Select Send Money with Zelle®
  4. Accept the terms and conditions
  5. Choose the account you want to use
  6. Review and start sending and receiving money

Are you not a current F&M Online Banking user? Watch this short how-to video to learn how to register.


User Guides

  • How to Register with Zelle® 
  • How to Send, Request, or Split with Zelle® 

  • Questions?

    Should you have questions, please contact the F&M Bank Client Care Center at (866) 437-0011 between the hours of 7:00am to 9:00pm Monday through Friday, 8:00am to 9:00pm Saturday, and 8:00am to 5:00pm Sunday, PT. You can also review our FAQs below for answers to the most commonly asked Zelle® questions or download our Client Communication for additional information.


    1. What is Zelle®?
    2. Who can I send money to with Zelle®?
    3. How do I use Zelle®?
    4. Someone sent me money with Zelle®, how do I receive it?
    5. What types of payments can I make with Zelle®?
    6. How do I get started?
    7. What if I want to send money to someone who's financial institution doesn't offer Zelle®?
    8. How does Zelle® work?
    9. Can I use Zelle® Internationally?
    10. Can I cancel a payment?
    11. How long does it take to receive money with Zelle®?
    12. Will the person I send money to be notified?
    13. Is my information secure?
    14. I'm unsure about using Zelle® to pay someone I don't know. What should I do?
    15. What if I get an error message when I try to enroll an email address or U.S. mobile number?
    16. I have a business account with F&M, can I use Zelle®?
    App Store is a service mark of Apple Inc. Apple and the Apple logo are trademarks of Apple Inc, registered in the U.S. and other countries. Android, Google Play, and the Google Play logo are trademarks of Google Inc. Data charges may apply. Check with your mobile phone carrier for details. Zelle® and the Zelle® related marks are wholly owned by Early Warning Services, LLC and are us ed herein under license.
    • 1U.S. checking or savings account required to use Zelle®. Transactions between enrolled consumers typically occur in minutes.
    • 2In order to send payment requests or split payment requests to a U.S. mobile number, the mobile number must already be enrolled with Zelle®.
    • 3Scheduled or recurring payments sent directly to your recipient’s account number (instead of an email address or mobile number) are made available by Farmers & Merchants Bank but are a separate service from Zelle® and can take 1 – 3 business days to process.