Enrollment & Use


How do I enroll in consumer Online Banking?

Simply click on the ENROLL NOW link on our website online banking modal or click here to be directed to the Digital Banking page, review the self-enrollment information and instructions provided on the various webpages, then enter the required data. Your Online Banking profile will be established and you will have access within two business days.

If you have difficulty self-enrolling or do not wish to provide the required information and still wish to enroll, call our Call Center at (800) 888-1498, M-F, 8am-6pm, PT, and an application will be mailed to you with instructions for completing and submitting.

What types of transactions can I perform in Online Banking?

Online Banking offers 24 hour banking where you can access your account balances and history at any time, place stop payments on checks, transfer funds between linked accounts, make loan payments, view statements and check images, and pay bills.

What are the system requirements to use Online Banking?

You will need a computer or mobile device with an internet connection with a current version of one of the following recommended browsers:

  • Microsoft Edge
  • Firefox
  • Google Chrome
  • Safari - supported for Apple or Mac users

What are the security aspects of Online Banking?

As referenced in our "Security Statement" located on the bottom section of our website, we have integrated multiple security features to ensure your information is safe and secure. Please click on the Security Statement link for more information.

Not all of my accounts appear online - What do I do?

Only the account(s) you have requested to be linked will appear online. Contact our Call Center or visit your local branch to request the account(s) be linked. An Online Banking Specialist is available in our Call Center, (800) 888-1498, M-F, 8am-6pm, PT, holidays excluded.


Mobile Banking


How do I enroll in Mobile Banking?

There are two easy ways to enroll in Easy Mobile Banking.

Enroll within Online Banking by clicking on the "Options" tab then the "Mobile Settings" tab. Read and agree to the Terms & Conditions, and then follow the steps to enroll.

Enroll through our Easy Mobile Banking site or our EZ Banking App on your mobile device. Once on the Mobile Banking site or EZ Banking App, log in using your credentials, read and agree to the Terms & Conditions, and then follow the steps to enroll.

What services are available to me through Mobile Banking?

Through our Mobile Website or our Mobile Banking App, you can:

  • view account balances & transactions
  • transfer funds between linked accounts
  • pay bills (if enrolled, cost may apply based on your account type)
  • view alerts
  • find branch locations and hours
  • view account statements (App only)
  • view cleared checks (App only)

Not all of my accounts appear in Mobile Banking - What do I do?

Log in to Online Banking then click on the "Options" tab, then on the "Mobile Settings" tab. Click the box for the account(s) you wish to access through Mobile Banking and click "Submit".

How do I get the F&M Bank Mobile App?

Once you have Easy Mobile Banking established, download our App from your respective app store for your Apple or Android device.

Search for our app by name (F&M Bank - EZ Banking App) or download by clicking the links below

iPhone Android

Can I deposit a check through Mobile Banking?

Yes, upon approval you can deposit checks with your mobile device conveniently and securely. To enroll, you must be enrolled in Online Banking, Mobile Banking (and use our EZ Banking App) and complete our Easy Mobile Check Deposit Enrollment Form & Agreement which you can find on our website (see the Easy Mobile Deposit page under Personal/Services), inside the branch, or by calling our Call Center and one can be mailed to you. You can drop off the completed application at a branch or send it back by mail to F&M Bank / PO Box 3000 / Lodi CA 95241, or fax it to (209) 367-2347.




What are the required elements of my Password for Online/Mobile Banking?

Your password must:

  • contain at least 1 letter
  • contain at least 1 number
  • contain at least 1 special character + _ % @ ! $ * ~
  • contain a minimum of 8 and a maximum of 25 characters in length
  • not match or contain your User ID
  • not match one of your previous 4 passwords

Also, passwords are case sensitive.

Does my Password expire?

Yes, for security purposes, our system requires that you change your password at least once every six months.

What happens when my Password expires?

If your password has expired, you will be prompted to change it prior to logging in. Depending on when you last logged in, you may be prompted with a warning message alerting you that your password is about to expire.

Locked out?

If you have already enrolled in our Online Banking Password Reset service, you can quickly reset your password by clicking on the password reset button and entering the required information.

Still locked out? Please contact F&M Bank at (800) 888-1498. An Online Banking Specialist is available: M-F, between 8am-6pm, PT, holidays excluded.

Here are some helpful hints to avoid getting locked out:

  • Passwords are case sensitive
  • Be sure an old password is not "saved" or "stored" on your computer causing it to pre-fill into the password field when logging in.

Can I reset my Password if I am locked out?

Yes, click here for directions on how to enroll in the password reset feature.


Features & Services


What is the daily cutoff time for Account Transfers?

The daily cutoff time for a same day transfer between your accounts is 9pm PT each business day (M-F, holidays excluded). Transfers performed after 9pm or on non-business days will be credited the following business day.

Additionally, available funds must be in your account at the time you request the transfer (same day transfer) or when we process the transfer (future dated transfer) and overdraft protection balances are not taken into consideration.

How do I enroll in eStatements?

Once you are logged in to Online Banking, click on the "eStatement" tab, review and agree to the Terms & Conditions, and select the account(s) to enroll. You will receive your first eStatement on your next statement cycle date.

How do I upload account history to Quicken/QuickBooks?

When viewing your account online, click on the "Download" tab and choose a download option from the dropdown box. From there, complete the required fields and click on the "Download" button. Save the file to your computer, then launch Quicken/QuickBooks and import the file.

Does Online Banking offer Account Alerts?

Yes, we offer various types of account alerts that can be delivered to you when you log in, by email, or both. To set them up, while logged in simply click on the "Options" tab then click on the "Alerts" tab to get started.

Can I change my User ID?

Yes, when logged in, click on the "Options" tab. Your customized User ID:

  • must contain at least 1 letter
  • may contain number(s)
  • may contain any of these special characters: + _ % @ ! $ * ~
  • must be a minimum of 4 and a maximum of 25 characters


Bill Pay


How do I enroll in Bill Pay?

Once logged in to Online Banking, simply click on the "Bill Pay" tab, review and agree to the Bill Pay Terms and Conditions, and then follow the screen prompts to set up your payees. You must first enroll in Bill Pay from your computer before you can access it from your mobile device.

Who can I pay through Bill Pay?

You can pay an individual, a company, or transfer funds to accounts at other financial institutions.

How do I set up or delete a Payee?

To add a payee you must have your payment information or most recent billing statement. Click "Add a Payee" and complete the requested information.

To delete or edit a payee, select the payee and click "Edit Payee" and complete the required information.

How do I initiate or cancel a Payment?

To make a payment, locate the Payee listed on the Payments screen, select the Pay from Account, enter the Amount, select the Payment Date and click "Pay".

To cancel a payment you will need to locate the pending payment listed in the "Pending" box on the Payments screen, select "Edit", check the box beside 'I would like to stop this payment' and click "Submit".

What are the monthly fees for Bill Pay?

Depending on your account type, Bill Pay will either be free or subject to a monthly service charge of $5.95 and possibly an excess use charge of $0.50 per item when paying more than 20 items per month. Please refer to your original Customer Agreement & Schedule of Charges Book(s) for specific information or contact your local branch for assistance.

What is the daily cutoff time for Bill Pay?

The daily cutoff time for same day processing of Bill Payments is 12pm, PT, each business day (M-F, holidays excluded).

What more should I know about Bill Pay?

Bill Payments are processed either electronically or by check. Electronic payments are debited from your account the day the payment is processed by the Bank, whereas check payments post to your account when presented for payment (just as if you wrote the check). We recommend that for Bill Payments processed electronically, they should be scheduled 3 business days in advance of the payment due date and for checks, they should be scheduled 10 business days in advance of the payment due date to allow sufficient time for processing.


Computer Security FAQs


Do I have to buy expensive software to clean viruses from my computer?

There are reputable programs available for free on the internet that may meet your needs. Be sure to do your homework prior to installing any software. Verify the software's reputation using software review websites such as Cnet.com, prior to installing the software. Some examples of free antivirus protection and malware removal are:

Program/Web Address

Avast! Home Edition



Microsoft Windows Defender

Note: We cannot endorse or recommend any of the above programs. They are listed here only to show examples of what is available

Is one antivirus software program better than another?

Marketing hype aside, all reputable antivirus software does pretty much the same job. Some may be better than others in regards to a particular feature, but any one of them is better than no antivirus software at all. However, there are a number of disreputable antivirus programs that actually do more harm than good. Be wary of any antivirus software that advertises itself via unsolicited e-mail (spam) or pop-up windows.

How do I know if my PC is infected?

Infected PCs may exhibit suspicious behavior, such as running more slowly than normal, locking up often, crashing and restarting frequently, or displaying unusual error messages. Or they may exhibit no symptoms at all. Also, the suspicious behavior often shown by infected PCs may be caused by a number of other factors. So while a poorly performing computer should make you suspect that it may be infected, you won't know for sure unless you frequently scan your PC with an antivirus tool.

Aren't you safe from these threats if you stay away from those shady and unsavory websites?

Your PC could be infected from a number of sources. Viruses can be transferred from PC to PC through the use of a shared USB Flash Drive. There are many instances where a nationally recognized company's website has been compromised and visitors to their site have been infected with malware. The best way to protect yourself is to protect your PC.

What do I need to do to protect my PC?

While there is no silver bullet that will protect you from every risk, if you take the following precautions, you can significantly reduce your exposure:

  • Install an antivirus program and configure it to update its virus definitions daily.
  • Configure your computer and connection to the internet properly. Some computer systems come with a lot of security enabled by default, but have someone who knows what they're doing check the configuration of your computer and other communications equipment --wireless routers, DSL or cable modems, etc.
  • Turn on automatic software updates. This is a feature of some software which allows it to patch itself with very little effort from you. Make sure it's turned on for your operating system, security software, and any applications that have the option.
  • Be aware of your Internet surroundings. Learn to tell scams from real email, and when not to follow links or open a document. It takes time and practice to develop Internet "street smarts."
  • Perform regular backups. If your system becomes infected with a virus, you may have to reinstall your complete system. Backups ensure you don't lose your data if that becomes necessary.