Online Banking

Get to know what F&M Bank has to offer you! Our services aren’t limited to our building, check out what services we have in the tabs below!

Online Banking

Manage your banking anytime, anywhere with Online Banking from F&M Bank. This complimentary service is available anywhere you have access to the internet! At your convenience, you’ll be able to:

  • View account balances and activity
  • Transfer funds between accounts
  • Make loan payments
  • View, print, and download current account history
  • Communicate securely and directly with F&M Bank
  • View your check and deposit images for the past 3 months
  • Download account activity into financial management software such as Intuit® Quickbooks®, Personal Finance, Spreadsheet, and Word Processing
  • Complimentary Online Bill Pay
  • Place Stop Payments1
  • Sign up for eStatements

To sign up for Online Banking, simply click on the “Enroll Now” button from our home page.

1 – Additional fees may apply

Mobile Banking

Accessing your account has never been easier, simply open the F&M App and sign in! With F&M Bank’s mobile banking, you can access your accounts, transfer funds, and deposit checks without ever having to set foot in a branch! Some of the features included within mobile banking include:

  • View account balances and activity
  • Transfer funds between accounts
  • Make loan payments
  • View statements for the past 3 months
  • Create and send payments using bill pay1
  • Deposit checks using Remote Deposit Anywhere
  • Check alerts
  • View nearby banking locations
  • Manage your debit card

Accessing Mobile Banking is simple, all users need to be signed up for Online Banking and will use the same login information in the app! It’s that’s simple! Download the app in your mobile app store today!


Avoid that $2.00 paper statement fee each month by signing up for F&M Bank’s E-Statements! Once your statement is available, you will receive an email containing your statement. Statements can also be accessed through Online Banking for up to 3 years1! Go green today and sign up for E-Statement to start saving!

1 – Three years beginning from date of original sign-up for E-Statement

Bill Pay

Paying bills online is easier and takes less time than opening a bill you receive in the mail! You will no longer have to write a check or file manual records of your payments. Once you begin using F&M’s Bill Pay, just enter your payment, set the schedule, and you’re done! And the best part? It’s FREE!

With Bill Pay, you will have access to the following:

  • Easy payee set up
  • Make recurring payments
  • Receive notifications to your email when a payment is about to be made or when one is processed
  • Set up reminders so you will never forget a payment again
  • Pay from multiple accounts
  • Pay bills using mobile banking
Debit Cards

Process transactions and access your funds faster than ever with F&M Bank’s Debit Cards. The moment you use your debit card, the transaction will appear on your account, no waiting!

Withdraw funds from your account without ever needing to write a check, making your shopping experience safe, secure, and easy.

F&M Bank’s debit cards are accepted wherever Mastercard® is accepted and accepted at any ATM worldwide that is part of the Cirrus® network. Use your debit card at any Publix ATM (powered by Presto) and withdraw funds without incurring a fee!

If your F&M Debit Card has been lost or stolen, please call our 24-hour telephone banking system at (706) 846-5555, option 5 for Card Services then option 2 to report card lost or stolen.  Please use the application below to then request a new card.

Apply for your F&M ATM/Debit Card today by downloading this application. Complete the application and deliver to the bank, or email us at

Telephone Banking

Our iTalk Telephone Banking system allows you to bank 24/7!  All you have to do is call, chose a PIN, and follow the prompts to get the help you need whenever you want.  With access to telephone banking you can:

  • Activate new debit cards and set or change your debit card PIN1
  • Check account balances
  • Hear the last transactions that cleared your account
  • Verify paid and earned interest information
  • Make loan payments
  • Transfer funds between accounts
  • Hear current interest rates
  • Report a debit card lost or stolen
  • Change your iTalk banking PIN
  • Request emailed temporary statements
  • Place stop payments on checks
  • Hear bank information (address, phone number, and banking hours)

Getting set-up is easy, if you have an F&M Account, you already have telephone banking!  Just call (706) 846-5555 to get started today.  If you have any issues, please contact a customer service representative at (706) 846-8415.

1 – Telephone banking PIN is separate from debit card PIN


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.

Automated Funds Transfer (AFT)

Set it and forget it with F&M’s Automated Funds Transfers!  No more worrying about writing checks or filling out deposit tickets.  Avoid the lines at the bank and the delays in the mail.  The best part?  It’s FREE!  Simply fill out the form below and return it to us and we will set up the transfer for you.

AFT Form