New Online Banking FAQs

  • Why are F&M’s Online and Mobile Banking changing?
    We are upgrading our Online and Mobile banking services to provide you with premium banking functionality, convenience, and security. Our new Online and Mobile banking system offers robust online banking performance on all of your devices.
  • When will the upgrade take effect?
    The Online Banking upgrade will be introduced to all clients by mid-2019.
  • 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 at https://online.fmb.com/fmb/uux.aspx#/login.
    • 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.
  • 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. A test version of the mobile app will be available during our Friends & Family phase. Please see our iOS App Install and/or Android App Install Instructions to learn how to download the TestFlight app. Once the new platform is live you can download the new mobile app from either the Google Play™ or Apple® App Store®
  • 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.
  • 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). 
  • Will my scheduled transfers convert over to the new Online Banking system?
    Yes.  All scheduled and/or recurring transfers will move over to the new system in a drafted status. Any scheduled and/or recurring transfers must first be validated and approved by you in order to continue executing existing transfers. Please refer to the First-Time Login Instructions for the Recurring Transfer Validation Process for more details.
  • 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.
  • 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.
  • Is there an online resource for help?
    Yes. There is a Help button available toward the bottom of the left-hand navigation menu in the new Online Banking system.
  • 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 call Cash Management Services at (562) 344-2088 between the hours of 8:00am to 6:00pm Monday through Friday and 9:00am to 12:00pm Saturday, PT., or email Q2notifications@fmb.com.Email is not a secure method of communication. Please do not share any confidential information such as social security or account numbers.
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