MOBILE BANKING
F&M Bank in the palm of your hand
FDIC-Insured—Backed by the full faith and credit of the U.S. Government
It has come to our attention that our customer care number is being imitated. You may get a call from a scammer claiming to be from the bank and asking for personal and bank details. Please note: We will NEVER call you to verify personal information. If you receive such a call, do not share your details and report the incident to us immediately. Stay safe and thank you for your vigilance!
Go mobile and never go back.
Put your checking and savings accounts, plus auto, mortgage and personal loan accounts in the palm of your hand. Our free Mobile Banking app gives you 24/7 account access and the added convenience to:
- View balances and transactions
- View check images and deposits
- Pay Bills online
- Set up real-time alerts
- Deposit checks with F&M Mobile Check Deposit (Learn More)
- Transfer funds between accounts
- Find local bank branch locations
Download our Mobile Banking app and enroll in online banking.
Get started with mobile banking (PDF)
Available in the App Store or Google Play Store.
Helpful Tips on Using Mobile Deposit
- Flatten folded or crumbled checks before taking photos
- Keep only the check within the viewfinder, no other objects or edges
- Ensure you have good lighting
- Use a dark background
- Ensure all four corners of the check are visible
- Keep the focus sharp with enough distance from the check to prevent blurry images
Recommended Security Best Practices
- Engage your mobile device’s lock function with a password or Personal Identification Number (PIN), since it may not be on by default. If your mobile device has an auto-lock timer that activates the lock mode after a period of time, use it to avoid problems if your device is lost or stolen. Change the lock password or PIN frequently.
- Deactivate a compromised mobile phone number or device immediately to protect the confidentiality of your username(s) and password(s).
- Keep the mobile banking app up to date. As we update and add new security features, you’ll want to be sure you have the latest version.
- Keep your device physically secured or in a secure location at all times to prevent loss or theft. If your device is lost or stolen, please review your account activity and contact us immediately regarding any suspicious transactions.
- Take appropriate precautions when using public Wireless Local Area Networks.
- Exercise due diligence with unexpected messages or notifications. Do not click on suspicious links or push notifications sent via unsolicited text message or email.
Mobile Banking FAQs
When you sign up for Mobile Banking, you’ll receive a link to download the smartphone app.*
*Not all mobile devices are supported.
Mobile Deposit FAQs
Unless otherwise instructed by F&M, Mobile Deposit users agree to endorse any checks transmitted through the Mobile Banking app with the following:
Signed Endorsement – Include names of all payees noted on the front of the check.
“For Mobile Deposit Only” – Include this standard instruction line in the endorsement(s).
The cut-off time for electronic deposit is 4:00 PM ET on any business day (Monday–Friday, excluding state or federal holidays). Note: This daily cut-off time is subject to change without notice.
You can make Mobile Deposits any time of day or night, weekends or holidays. However, electronic deposits we receive after the daily cut-off time will be processed the next business day, provided they meet all requirements for acceptance and successful processing. Deposits submitted on holidays or weekends will also be processed the next business day and subject to the same requirements.
