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Personal Online Banking

It’s Your Choice. Bank Anywhere ... Anytime!

Time is money. F&M Bank offers eServices that enable you to save both! Look at all the convenient ways F&M provides to access your accounts, transfer funds, pay bills and more ... 24/7!

 Online Banking

Fast, Secure – And FREE!

F&M Bank’s Retail Online Banking gives you instant access to your accounts, banking services and helpful financial tools. F&M Online Banking is completely secure, using passwords, multifactor authentication and powerful encryption technology to keep your account information private. With Retail Online Banking, you can:

  • Check Balances – Monitor checking, savings, loans, line-of-credit accounts and CDs
  • View  Account History – Track deposits, withdrawals, cleared checks and transfers
  • Search  Account History – Query by check number, amount and/or date
  • Transfer Funds – Move funds between accounts
  • Make F&M Loan Payments – By transferring funds from your F&M deposit account
  • Download Transaction History – Download account history to financial software, including Quicken
  • Review ATM Transactions
  • View Current and Prior statement account information

To apply for Online Banking, stop by your nearest F&M office. To speed up the process fill out our online form, then print, sign and return to F&M by one of the following ways: fax it to 931-920-4938; mail it to us at P.O. Box 1130, Clarksville, TN 37040; or drop it by an F&M office. Once your application is received and approved, you will receive your Temporary Password by email and your User ID by mail.  At your first login, you will be required to establish a secure password and provide answers for three security challenge questions.  F&M Bank does not have access to your secure password. Please contact us promptly if you believe your Online Account and/or any of these security functions have been compromised.  Click here for branch office location information or you may call us toll-free 800-645-4199 or in Montgomery County at 931-645-2400.

Personal Online Bill Pay

A Faster, Easier Way To Pay!

Sign up for FREE Online Bill Pay at the same time you sign up for Online Banking. With a few simple clicks and keystrokes, you can pay bills or schedule recurring payments quickly and easily. That means:

  • Fewer checks to purchase
  • Fewer checks to write
  • Fewer envelopes to address
  • Fewer stamps to buy!
  • Click here for more Bill Pay benefits

If you already are enjoying F&M's Online Banking and would like to add Bill Pay features, just give us a call or stop by to get set up!

How to Use Bill Pay

Consumer Bill Pay Agreement

VISA Debit Card

Make a simple swipe of your F&M VISA Debit Card instead of writing checks or using cash... anywhere VISA is accepted.

If you’re currently using your VISA Debit Card for ATM cash withdrawals and deposits only, you’re missing out on the many benefits of using it for point of sale purchases!

Use Your VISA Debit Card Like Cash Because:

  • It’s easier than writing a check
  • There’s no approval process at the time of purchase
  • It’s more convenient to carry than checks
  • You save money by not having to reorder checks as often
  • You have no fee for using it at most stores. Click Here For Fees
  • Your can have a daily point of sale limit up to $1,000*
  • Your daily ATM withdrawal limit is $300*


Want to Raise Your Limit ...
Planning a vacation? Looking to purchase new appliances for your home or redecorating? Ask an F&M Bank representative today about raising your daily point of sale limit or ATM withdrawal limit if applicable.

Learn more about F&M Visa Debit Card

* Subject to the balance in your account plus Overdraft Privilege.

F&M MobilePlus! Banking

F&M Retail Online Banking customers can use their Internet accessible smartphone to:

  • Access Accounts via Passcode Entry
  • View Account Balances and Transactions
  • Transfer Funds between F&M Accounts
  • Pay Bills
  • Deposit Checks (Mobile Deposit)
  • Connect other Financial Institution Accounts
  • Geo-Locate F&M Branches and all ATMs

Click here to learn how to download F&M MobilePlus! ... and to get additional information!


Account Info Only A Touch Away.

Your account information is just a phone call away with Telephone Banking. Using any touch-tone or cellular phone, you can call us toll-free ... 24 hours a day to:

  • Review Checking, Savings And Loan Balances and Other Account Information
  • Transfer Funds Between Accounts
  • Make F&M Loan Payments

TELEPHONE Banking (Inside Montgomery County) 552-0020
 -- (Outside Montgomery County) 1-800-295-1519


F&M Bank is committed to providing safe, dependable, state of the art ATMs. Get cash and account information at any F&M Bank ATM ... and thousands of other machines nationwide displaying the VISA, MasterCard, Cirrus and Plus logos. Click here for ATM locations