Coronavirus FAQs

  1. What action is F&M Bank taking as a result of the Coronavirus (COVID-19)?

    Effective immediately, we have enacted multiple precautions to protect our employees, our facilities, and those of our clients who remain confident to visit any of our banking facilities during this period. We have increased our nightly janitorial cleaning procedures, using hospital-grade cleansers to ensure maximum cleanliness.

    For the protection of our employees and customers, we have educated and will continue to educate our staff about the coronavirus and our expectations for their individual healthcare. Be assured, if we have any employee(s) who exhibit any indication of illness, they are instructed to stay at home.

  2. Where can I go to find up-to-date information on the Coronavirus?
    For more information on COVID-19, visit the Centers for Disease Control and Prevention (CDC) website.
  3. How can I access my accounts if I am unable to visit a branch office?

    All F&M Bank Clients have 24/7 access to their accounts using F&M Bank’s Online and Mobile Banking. You can view real-time activity, check balances, make deposits, transfer funds, pay bills, make person-to-person payments, send secure email, and locate your nearest Branch Office.

    Clients may also use F&M Bank’s toll-free telebanker 24/7 at (855) 416-5747 to check account balances, transfer funds, and place stop payments.*Enrollment is required.

    *Standard fees apply for stop payments.

  4. How do I enroll to use F&M Bank’s toll-free telebanker?
    Dial (855) 416-5747 and follow the recorded prompts. You will need to enter the account number of an active Checking, Savings, Money Market, CD or Loan account + last 4-digits of your Social Security Number.
  5. I am not currently enrolled in F&M’s Online and Mobile Banking. How do I enroll?

    Personal Banking Clients

    To enroll in F&M’s Online Banking, please visit the Online Banking Enrollment Page and complete the onscreen prompts. You can access this link from your desktop computer, tablet, or mobile phone. You will use the same login credentials for both Online and Mobile Banking.

    Business Banking Clients

    If you are a Business Client wanting to enroll in F&M’s Online and Mobile Banking, please contact your local Branch Office.

  6. How do I get the F&M Mobile Banking App?

    Visit the App Store for your mobile phone and download F&M's Mobile Banking app, FMB-Mobile 2.0. If you are a Personal Banking Client who has not yet registered for F&M’s Online and Mobile Banking, use the Register link on the login screen to complete the registration process. You will use the same User ID and Password for both Online and Mobile Banking.

    If you are a Business Banking Client wanting to enroll in F&M’s Online and Mobile Banking, please contact the Cash Management Services Dept. at (844) 782-7311 between the hours of 8:00am to 6:00pm Monday through Friday and 8:00am to 12:00pm Saturday, PT.

    F&M Bank does not charge for this service, however, your wireless carrier may charge you fees related to this service.

  7. Do I need a separate User ID and password for Online and Mobile Banking?
    No. You will use the same User ID and Password for both Online and Mobile Banking.
  8. Are all F&M Branch Offices open?
    Yes, all F&M Branch Offices currently are open. For up-to-date information regarding office hours, please visit F&M Bank’s Locations page.
  9. Is the money in my F&M Bank accounts safe given the turbulence of the financial markets?
    Farmers & Merchants Bank is a Member of the Federal Deposit Insurance Corporation (FDIC), an independent agency of the United States government that protects you against the loss of your deposits. FDIC insurance is backed by the full faith and credit of the United States government.
  10. What is the standard insurance amount?
    The standard insurance amount is $250,000 per depositor, per insured bank, for each account ownership category. The FDIC's Electronic Deposit Insurance Estimator can help you determine your specific deposit insurance coverage for your accounts.
  11. What does the FDIC insure?
    FDIC insurance covers all deposit accounts at insured banks and savings associations, including checking, NOW, savings accounts, money-market deposit accounts, and certificates of deposit (CDs) up to the insurance limit. The FDIC does not insure the money you invest in stocks, bonds, mutual funds, life insurance policies, annuities or municipal securities, even if you purchased these products from an insured bank or savings association.
  12. Is it possible to have more than $250,000 at one insured bank and still be fully covered?
    You may qualify for more than $250,000 in coverage at one insured bank or savings association if you own deposit accounts in different ownership categories. The most common account ownership categories for individual and family deposits are single accounts, joint accounts, revocable trust accounts, and certain retirement accounts. The FDIC's Electronic Deposit Insurance Estimator can help you determine your specific deposit insurance coverage for your accounts.
  13. Who can I call if I have questions?
    Please contact your branch manager if you have questions. Contact information can be found on the Locations page. If you need additional assistance, call F&M Bank’s Client Care Center at (866) 437-0011 between the hours of 7:00 a.m. to 9:00 p.m. Monday through Friday, 8:00 a.m. to 9:00 p.m. Saturday, and 8:00 a.m. to 5:00 p.m. Sunday PT.
  14. How is the FDIC addressing the Coronavirus?
    The FDIC has shared a list of frequently asked questions they have received to help you during this time.  Find out more today by reviewing the FDIC FAQs for Bank Customers.
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