• Main Office: (706) 846-8415
  • Loan Production Office: (706) 660-6877
Banking on Experience

Frequently Asked Questions

Please click on a category to view the Frequently Asked Questions for each product/service that we offer.

Online Banking

Which accounts can be accessed?

When completing the application, you can tell us which accounts you wish to access via Online Banking. You may add or delete accounts shown by simply notifying a new account representative in writing.

What do I need to have this service?

  •  F&M BANK checking or savings account
  • Internet Access
  • Online Banking ID: The customer must complete an Online Banking Application and agree to the F&M Online Banking Terms and Conditions. A User Name and temporary Password will be assigned and mailed to you after you submit an application.

What about security?

Three consecutive invalid User Name and Password attempts will result in "account lockout" and a suspect report is automatically generated. Also, users will be logged off after a period of inactivity during any session. F&M will never ask for, or provide, any account numbers, passwords or social security numbers over the Internet.

Can I access account information belonging to family members?

If you have an account held jointly, each person will be able to access the information on that account by registering for their own User Name and Password. Joint account holders must fill out separate registration forms.

What do I need to do the first time I log on?

Go to www.fmbankandtrust.com and enter your 12-digit User ID number in the Netteller ID field and the last four numbers of your social security number as the password. Once you have entered the system successfully, you will be required to change your original Password. You may also create a new User Name to replace the 12-digit User ID.  Your User name may consist of any combination of letters and numbers and must be 4-12 characters in length.

Can I change my User Name and Password?

Your User Name and Password can be changed at any time by clicking on the options tab while logged into Online Banking.

Do I use the same User Name and Password for Online Bill Pay?

Your User Name and Password will be the same for Online Banking and Online Bill Pay. You will need to sign your accounts up for Online Bill Pay by completing an Online Banking Bill Pay application.

What if I forget my Password?

Contact a Customer Service Representative at F&M BANK via e-mail, phone or in person and request that your Password be reset. Numbers will be reset to the last four digits of your social security number. When you sign on you will then be asked to change your password. You may use our Auto reset feature online using the Forget Password link on the homepage. You will need to type your information exactly how it appears on your statement.

What does it mean when the customer's computer says they are "locked out"?

This means that an incorrect User Name and Password has been used three times and for security reasons, are locked out. You may contact a Customer Service Representative at F&M  via e-mail, phone or in person to unlock your account.



Online Bill Pay

Whom can I pay through Online Bill Pay?

You can pay ANYONE in the United States from the next-door neighbor, to the utility company, to the bank, and even a child in college across the country.

Are there any merchants that I cannot pay through Online Bill Pay?

Yes. You cannot pay child support or any government agency, such as the I.R.S.

When will the money be taken out of my account?

If paying by check, the money will be withdrawn out of your account approximately three to four business days after the payment date you have set. Electronic payments will be withdrawn on the date you choose.

What if I do not have enough money in my account?

F&M BANK will treat bill payment items just like any other check that you write and the same fees will apply.

Can I use Online Bill Pay if I live outside the U.S.?

Yes, as long as you have an account with F&M BANK. However, you cannot pay bills to payees located outside the United States.

Can I get a copy of a cancelled check?

You may obtain a copy through your online banking access or electronic statement access.

How long is history retained in the “Bill Payment/History” section?

Payment History records are kept for three months.

How far in advance should I set up a payment to insure it is paid on time?

Check payments should be scheduled 7 business days in advance, of when you want the payment to actually be posted at the payee.

Electronic payments should be made 3 business days in advance of when you want the payment to be posted at the payee.

Payments do not get processed on holidays or weekends. If a scheduled payment falls on a holiday or weekend, it will be processed on the Friday before the weekend, or the last business before the holiday.

How late in the day can I enter, edit, or delete a payment?

The customer may add, edit, or delete a payment up to 3:00 AM EST on the day the payment is scheduled to be sent.

If a same-day payment is submitted between 3:00 AM EST and Noon EST it may be edited up until Noon Eastern time.

Can I postdate a single payment?

Yes, just set the payment date for any date in the future.

Can I stop a payment?

Yes. You will need to call Customer Service.  Payments processed by check can be stopped.  Payments processed electronically cannot be stopped.

How many payees may I have set up?

There is no limit to the amount of payees you can set up through Online Bill Pay.




What are E-Statements?

E-Statements are an electronic copy of your statement. It’s a quick and easy way to receive and store your monthly statement using your access through online banking.

How do E-Statements work?

You must be enrolled in Online Banking to sign up for E-Statements. We will notify you through email each month when your statement is ready to be viewed. You will be able to view your statement from your computer, 24 hours a day, seven days a week via the Internet.

Will I continue to get a paper statement through the mail?

No, your paper statements will stop once you sign-up for E-Statements.

How safe is my statement online?

Just like Personal Online Banking, we maintain the highest level of security, using proven technologies to protect your data and ensure the safety and confidentiality of your electronic statement.

When will I receive my online statement?

You’ll receive your statements sooner than with traditional mailing. Upon signing up for E-Statements, you will receive your first email notification the following month. You will continue to receive a monthly email notification that your online statement is available.

How much history will I have access to?

E-Statements are available for the previous 18 months.

Can I save my E-Statements?

Yes, you have the option of printing a hard copy or saving a copy of the PDF file to your own computer.



Remote Deposit Capture

How does Remote Deposit Capture work?

Using a check scanner, you simply scan an image of both sides of the check. This image then becomes the legal equivalent of the original check, and the image is submitted to F&M Bank through a secure electronic server. F&M Bank treats this image as the legal equivalent and begins processing the check immediately.

Who is eligible for Remote Deposit Capture?

Eligibility is determined by a credit analysis of the customer.

What is a substitute check?

Also known as an IRD (Image Replacement Document), it is a paper reproduction of the original paper check, and is legally binding as a legal proof of payment.

What does a substitute check contain?

  • An image of the front and back of the check
  • MICR line of the original check, which includes account and routing numbers
  • Conforms in paper stock, dimension, and other industry standards for images and substitute checks
  • Is ready for automated processing in the same manner as the original check

Do I have to change or upgrade my computer system?

Each scanner will have minimum system requirements, and will vary with each scanner. Each scanner will come with a driver that will need to be loaded along with a USB connection.

How late can I make a deposit and still receive same day credit?

The cut-off time for same-day deposits is 5pm on Monday and Tuesday, 12pm on Wednesday and 5pm on Thursday and Friday, EST.

What should I do with the check after I make the deposit?

Generally, original checks should be stored for at least 60 days before destroying. Refer to your F&M Bank agreement for details.

How will I receive notification of an NSF?

Returned checks will be handled as usual with a substitute check being returned in place of the original check.

Can I set-up multiple accounts for deposit?

Yes. Deposits can be made to any number of accounts without additional charges.

What types of checks can be processed through Remote Deposit Capture?

U.S. dollar checks drawn on U.S. financial institutions with valid routing and transit numbers are accepted, including personal checks, business checks and postal money orders.

What security controls are provided for Remote Deposit Capture?

As an integral part of your online account access, the same security that protects other transactions also ensures that your Remote Deposit Capture information remains confidential:

  • If you forget to logout or are inactive for more than fifteen minutes your session will automatically be closed.
  • We maintain numerous additional physical, electronic, and procedural safeguards to help prevent unauthorized access to your information.
  • We continually update and test our technology to improve these protections and to ensure the integrity of your information.



Debit Cards

How do I order a Debit Card?

You may order a Debit Card by visiting or calling one of our Customer Service Representatives. Please click here for location and contact info.

I recently ordered a Debit Card. When will I receive it and how do I activate it?

You should receive your Debit Card within 10 business days after your card was ordered. You may activate your Debit Card by calling the toll-free number located on the front of your card.

How do I know what my PIN (Personal Identification Number) will be?

You will be required to select a permanent PIN that will be used for all PIN-based transactions when using your new Debit Card.  The first time you process a payment as debit, whether at an ATM or with a vendor, you will enter the PIN of your choice.  The PIN you use with this first debit transaction will be your PIN going forward.  Your first debit transaction cannot be a balance inquiry; it needs to be a purchase.

How do I change my PIN?

To change your PIN, you must first contact one of our Customer Service Representatives. Please click here for location and contact info. The Representative will clear your old PIN from our system, and the next time you process a payment as debit, whether at an ATM or with a vendor, you will enter the PIN of your choice.  The PIN you use with this first debit transaction will be your PIN going forward.

My Debit Card was declined while I was trying to make a purchase. Why?

There are several factors that could result in your Debit Card being declined while you are attempting to make a purchase:

  • The amount of the transaction may have exceeded your account balance or daily purchase limit.
  • There may be an Address Verification issue. Address Verification is a security feature that matches the address we have on file with the address or zip code you may be asked to supply at the time of purchase.
  • Although unusual, the Debit Card network or the processing company used by the merchant could be temporarily down or offline.
  • If the purchase is unusual when compared to your Debit Card transaction history, the transaction may be flagged as potentially fraudulent. This is a security feature designed to protect you from fraudulent activity associated with your Debit Card. For this reason, please notify us if you plan to use your Debit Card for a significantly large purchase or for purchases made out of the state or country.

If none of these reasons apply, please contact us and we will be happy to investigate why a particular transaction was declined.

What if I want F&M Bank and Trust Company to authorize and pay overdrafts on my ATM and everyday debit card transactions?

If you want us to authorize and pay overdrafts on your ATM and everyday debit card transactions, you must opt-in by calling us at 706-846-8415 or by visiting us at 142 West Main Street, Manchester, GA to complete the opt-in form.

Do I have to enter my PIN when making a purchase?

No, unless a vendor or merchant requires you to do so.  In most instances, you may choose to use your Debit Card as a “CREDIT” transaction. If you choose to use your Debit Card as a “CREDIT” transaction, you will be prompted to sign a receipt to authorize the transaction rather than entering your PIN. If you choose “DEBIT’ you must enter your PIN.

Why was I asked to provide my zip code when using my Debit Card?

This is a security feature designed to prevent unauthorized parties from using your Debit Card.   If asked to provide your zip code, enter the zip code that you have on file with F&M Bank.

How much cash may I withdraw on any given day from an ATM using my Debit Card?

The standard amount that you may withdraw from our ATM is $500.00 per day. If you need to withdrawal more than $500.00 in cash on any given day, we recommend for your security, that you withdrawal the cash by visiting our facility.

Is there a dollar limit on purchases using my Debit Card?

Yes. This is a security feature. The daily purchase limit is $1,500.00 for a Debit Card user. If you anticipate making a purchase above your specified limit using your Debit Card, please contact us in advance before making your purchase.

I’ll be using my Debit Card out of town / out of the country. Do I need to notify F&M Bank?

When traveling, it is always a good idea to notify your debit and credit card providers so they may make note of your trip and prevent potential processing issues with your card(s). Any activity that is considered unusual when compared to your historical card usage may trigger a security flag.

What security features are in place to protect me from fraudulent activity associated with my Debit Card?

F&M Bank and Trust employs a transaction monitoring system that alerts us of potential fraudulent activity.  You, the cardholder, will be contacted to verify the validity of the transactions.

Where may I use my Debit Card?

You may use your Debit Card to make purchases wherever MasterCard is accepted.

What ATMs (Automated Teller Machines) may I use?

You may use F&M Bank’s ATM without incurring a fee. Also, we offer nationwide ATM use.

What is an EMV Debit Card?

As of August 8th, 2016, F&M Bank and Trust switched to EMV Debit Cards. EMV is a secure technology that is used worldwide for all major payment methods: credit, debit, and prepaid cards. Commonly referred to as "EMV cards" or "EMV chip cards," these cards use a smart chip instead of a magnetic stripe to hold the data that is required to process a transaction. Countries that use EMV have seen a huge decline in counterfeit card fraud as it's virtually impossible to clone an EMV card. EMV brings you convenience and security to your payments.

How do I use the EMV Card Readers?

 The EMV chip in your debit card requires your card to process in a different manner than the original magstripe debit cards.  If the merchant's card reader is equipped with EMV technology, you will insert your card into the chip-friendly reader, typically located at the bottom of the machine.  Follow the prompts to approve the amount and enter your PIN or provide your signature.  Finally, you will remove your chip card when prompted. It will take a few seconds longer for the machine to process the EMV debit card compared to a magstripe card.  Your card can still be used on machines that do not have a chip-friendly reader.  Simply swipe your card instead of inserting it and continue as normal.