New Online Banking FAQs

  • Why is F&M Upgrading its Online and Mobile Banking?

    For more than 112 years, F&M Bank has been committed to providing Clients with our unique brand of high-touch, white glove service that has made us California's Strongest. Upgrading our Online and Mobile Banking is a continuation of that commitment to service and top technology. F&M Bank’s New Online and Mobile Banking offers clients a customizable, easy-to-use interface, single user ID & password for both Online & Mobile Banking, and the ability to send money to friends and family.*

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

  • Are all F&M Bank clients being upgraded to the new system?
    No. Only F&M Bank's Clients with Personal Online Banking profiles are being upgraded to the new system.  F&M's Business clients will continue to utilize the current Online Banking System and Mobile App (FMB-Mobile) until Summer 2019 when they will be transitioned to the new system. Old F&M App Icon
  • What if I have both Personal and Business accounts with F&M Bank?
    If you maintain separate Business and Personal Online Banking profiles, you will continue to access your Business profile using F&M's current Mobile Banking app, FMB-Mobile. You will use FMB-Mobile 2.0 to access your Personal Online Banking profile.
    Old F&M App Icon
    New App Name: FMB-Mobile
  • Is there any action required to start using the new F&M Online Banking system?
    Yes. In order to avoid delays in accessing the new system, please update your contact information to ensure the information we have on record is accurate.  F&M Bank will send a Secure Access Code (SAC/OTP) to the phone number/email address on our records and you will not be able to access the system without it.
  • What is a Secure Access Code (SAC)?
    A SAC/OTP is a unique 6-digit code equivalent to the One-Time PIN (OTP), currently used to access your online banking today. You may choose to register your device to avoid having to enter an SAC/OTP for future logins on that same device.
  • Will I have to sign-up for F&M Online Banking?

    No. If you have already registered for F&M Online Banking, you will have access to the new system. Your User ID and Password will stay the same, but you will be required to select a new password upon initial login. To login, follow these simple steps:

    • Access the F&M Online Banking login screen.
    • Enter your current Online Banking Login ID and Password. Click Log In.
    • Request a Secure Access Code (SAC/OTP) by selecting one of the available delivery methods.
    • You will receive a 6-digit code at the requested destination. Enter the code and select Submit.
    • At this point you may choose to register your device. This will enable you to bypass the SAC/OTP process for future logins on that device. You will still need SAC/OTP to login from a different device.
    • You will be required to create a new password. Click Submit.
    • Review and Accept all required Disclaimers by selecting the disclaimer and choosing the corresponding, Agree, Accept, or I Agree option.
    • Your new F&M Bank Online Banking profile is now complete and your accounts will display on your home screen.
  • I have multiple accounts with F&M. Will I need to set-up multiple User IDs to see them all?
    No. F&M’s new Online Banking system will let you view all of the accounts you have access to under the same login.
  • Can I use the same User ID and Password for both Online Banking and Mobile?
    F&M Bank's New Online and Mobile Banking is now one seamless user experience. This means you will use the same User ID and Password for both Online and Mobile Banking.
  • What are the User ID and password requirements?

    Your User ID will remain the same unless you decide to change it.  You will be required to select a new password upon initial login. Password and User ID requirements are below:

    New User ID:
    • 6 character minimum
    • 48 character maximum
    Password:
    • 8 character minimum
    • 16 character maximum
    • One number
    • One lower case letter
    • Cannot be any of your last three passwords
  • Do I need to set-up a new security image and challenge questions?
    No.  Security images and challenge questions have been replaced by a Secure Access Code, a more efficient and effective method to protect your account(s). 
  • Can I use my phone and tablet on the new system?
    Yes.  F&M’s new Online Banking system gives you the ability to bank anytime, anywhere, from any supported device conveniently and securely. You can download the app on any Androidor Apple® device. Users will also enjoy a consistent experience when banking from a desktop computer. If you’re on a platform that isn’t Android or Apple®, you can always access F&M Online Banking via your HTML5-compatible mobile browser. 
  • Do I need to download a new F&M Mobile Banking app?
    Yes, please visit the App Store for your mobile phone and download F&M's New Mobile Banking app, FMB-Mobile 2.0. The New F&M Mobile Banking app icon has a gold F&M logo against a green background.New App Name: FMB-Mobile
  • I see two F&M Bank Apps in my mobile phone’s App Store. Why is that?
    F&M Bank is upgrading its Personal and Business clients to the New Online and Mobile Banking system in two waves. Personal Clients are being upgraded on Monday, April 29, 2019 while Business Clients will continue to use the existing app until later this Summer.
  • How can I tell the two Apps apart?
    The New F&M Online Banking App to be used by Personal Clients is named FMB-Mobile 2.0.  The current F&M Online Banking App that Business Clients will continue to use is FMB-Mobile.
    Old F&M App Icon
    New App Name: FMB-Mobile
  • Will my scheduled transfers convert over to the new Online Banking system?
    Any transactions (e.g. recurring transfers, bill payments) previously scheduled in the current Online Banking System, will be carried over to the new system and processed as normal.
  • Will my transaction history transfer over to the new system?
    Yes.  At initial login, you will have access to 6 months of transaction history. Over time, the system will eventually hold up to 24 months of transaction history.
  • Will I have access to my eStatement history?
    Yes. You will continue to have access to 3 years of eStatements.
  • Will I see my accounts that are held at other financial institutions?
    Yes.  You may use the Link Account feature on the homepage to pull in data from accounts you hold at other financial institutions.
  • I cannot connect to third-party financial apps such as Mint, Quicken and Quickbooks. What should I do?
    Please visit our Quicken® conversion page for more information on the process to reconnect to these third-party financial services platforms.
  • Will I be able to initiate transfers to my accounts at other financial institutions?
    Yes. To transfer funds between accounts held at other financial institutions, you will need to first add and verify the external account. You may do so by selecting Add External Account from the Transactions menu.  Follow the onscreen instructions for adding and verifying your other bank accounts.
  • Are there minimum browser requirements for the new Online Banking system?

    Yes.  Below are the browser and OS requirements for Q2 to run:

    Browser  Windows Vista SP2 and SP3 Windows 7 and 8.1 Windows 10 MacOS X 10.6-10.11
    Google Chrome  X X X X
    Microsoft® Internet Explorer 11.X X X X X
    Microsoft Edge X X X X
    Mozilla® Firefox® 33 and later X X X X
    Safari® 9 and 10       X
  • Who do I contact if I have issues or questions?
    For questions, please contact the F&M Bank Client Care Center at (866) 437-0011 between the hours of 8:00am to 9:00pm Monday through Friday, 8:00am to 9:00pm Saturday and Sunday 8:00am to 5pm PT.
View All See Less