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Online & Mobile Banking

Manage Your Finances from Anywhere with Online & Mobile Banking

Want to access your account information any time you need it? At F&M Bank we provide three easy ways to access and manage your finances using the latest banking technology: Online Banking, Mobile Banking and Text Banking.

Safe, Simple, Secure…Online Banking, Mobile Banking, and Text Banking from F&M Bank allows you to access your accounts anytime, anywhere.  You can further simplify your finances with online services like e-Statements and Online Bill Pay. After all, we are here to help make managing your money easier for you!

Online Banking

Accessing and managing your F&M Bank deposit and loan accounts has never been so easy. Whether you are at home or at your office, Online Banking from F&M Bank offers a variety of benefits:

  • Check your account balances
  • View past transactions
  • Transfer funds between your accounts
  • Make loans payments
  • Pay your bills
  • View, print or download your monthly e-Statements
  • View and print check images
  • Send and receive secure, encrypted email to and from F&M Bank
  • Reorder checks

Mobile Banking

Put the power of Online Banking in the palm of your hand with Mobile Banking from F&M Bank! There are three choices for Mobile Banking:

  • Our FREE Mobile Banking App, available for Apple and Android devices. You get many great mobile services with our Mobile Banking App, such as reviewing your account balances, funds transfer, Bill Pay and finding the nearest bank or ATM location.
  • Web-based Mobile Banking using the web browser on your smartphone. If you have an Online Banking account with F&M Bank, you’re ready for web-based Mobile Banking. Simply go to www.thefmbank.com and enter your login information and password to access your accounts.
  • Text Message Mobile Banking. Enrolling in Text Message Mobile Banking is easy if you’re already an Online Banking user. Log in to Online Banking on any computer, select Additional Services, then Mobile Banking and Alerts, and then follow the instructions. You will receive an activation code on your mobile device, which you can use to complete the enrollment process.


Tired of organizing paper bank statements or waiting for your statement every month? E-Statements can help!

Instead of mailing a paper statement to you each month, we will notify you by email when a new e-Statement is ready for you to access and view online. Storing your e-Statements online behind a secure login not only protects you from identity theft, but also means you don’t have to worry about organizing and securing your statements at home. E-Statements are also environmentally-friendly as they cut down on the amount of paper we use.

Get started today by logging into Online Banking and click on “Additional Services”, then “Statements”, then choose “Statement Options”.  Click “waive the mailing of your monthly paper statement” and then click the box that says “change online statement options”.  That’s it!  You’re now enrolled in e-statements!

Online Bill Pay

Who enjoys buying envelopes and stamps, writing checks and mailing bill payments every month? F&M Bank offers a better solution for paying your bills: Online Bill Pay.

Online Bill Pay is a free, optional service that offers five beneficial features to help you pay your bills:

  • Schedule immediate and future payments
  • Create automatic, recurring payments
  • Easily add, edit or delete payee information at any time
  • Manage and track your bill pay history on a payee-to-payee basis
  • Access your e-bills through Online Bill Pay as you receive them

Even getting started with Online Bill Pay is easy. Login to your Online Banking account, select the Bill Pay tab and follow the instructions to get started.