Online Banking

Now that you have your account established, see how F&M Bank can help you in your everyday business needs!

Remote Deposit Capture (RDC)

A service offered exclusively for business customers; Remote Deposit Capture allows you to make check deposits electronically from any desktop.  All you need is a small desktop scanner, a PC, an internet connection, and F&M Bank’s Remote Deposit Capture software!  Remote Deposit Capture scans the paper checks and electronically sends the images to F&M Bank.  It automates the process of creating deposit tickets and the time and cost associated with transporting deposits.

Does your business have…

  • Multiple locations?
  • Make deposits after normal banking hours?
  • Pay transportation costs to deliver deposits to the bank?
  • Receive checks with large dollar amounts?

If you answered YES to any of the above questions, then Remote Deposit Capture just might be for you!

Key advantages of F&M Bank’s Remote Deposit Capture include:

  • Make deposits anytime
  • Save time preparing deposits
  • Consolidate funds from remote locations into one bank
  • Cut costly courier fees or trips to the bank
  • Reduce risk of check fraud

For all the details and benefits about F&M Bank’s Remote Deposit Capture, please contact a friendly customer service representative at (706) 846-8415.

Remote Support

Additional fees may apply

Night Deposit Services

Customers can deposit their cash, checks, and loan payments outside of banking hours.  The bank collects the deposits and credits them to the customer’s account on the following business day.

  • Include a deposit slip or payment coupon with your name and account number on it
  • Place your deposit or payment in an envelope provided at the night depository or zipper bag1
  • All items must be placed in the night depository before 8:30 AM to receive same day credit
  • All items placed after 8:30 AM will be credited the next business day
  • All items placed in the night depository on Saturday will be credited the following Monday

1 – Speak with a customer service representative to see how you can obtain an F&M zipper bag.  Additional fees may apply.

Change Orders

We can assist all businesses with their currency and change needs.  Feel free to call ahead with your change orders and we will gladly have them ready for you.  Call our Teller Line at (706) 846-8415.

Check Orders

We are always glad to order your checks for you; however, if you would like to do so yourself or simply see what is available you can click here to reorder1. View the online catalog of check designs and accessories by visiting or come by today and visit our friendly staff and we will be glad to assist you!

1 – Check fees apply

Notary Services

We offer Notary Services and witness signatures with a valid photo ID. Documents must be signed in the presence of the notary. 1

1 – Additional fees may apply


Move money safely and quickly from F&M Bank to another financial institution anywhere in the world1. To transfer funds to or from F&M Bank contact a customer service representative at (706) 846-8415 for our wiring instructions.

Wires are processed Monday – Friday during normal banking hours.  Wires processed on Saturday will not be transferred until the following Monday.

1 – Additional fees may apply.  Fees may also be charged by the receiving bank.