Business Online Banking

With online access, you’re just a click away from managing all of your accounts. Whether it’s paying your bills, managing your cash or checking loan balances, our Business Online Banking service allows you to do your business banking more quickly and efficiently. You won't need to wonder about your cash flow or worry about your current account balance.

By using F&M Bank’s Cash Management Services, you can perform a wide variety of activities electronically:

• Pay Bills — Pay bills online electronically.
• ACH Services — Automate outgoing payments ... or receive incoming payments from customers electronically.
• Payroll — Credit multiple accounts at any financial institution.
• Electronic Federal Tax Payment Service — Make tax payments directly to IRS.
• FastPay Inclearings — View online customer bill payments made to your company.

To enroll in Business Online Banking, visit your local branch.

To make the most of our products and services at F&M Bank. Contact one of our branches if you have any questions about online banking, merchant services, or other eServices.

Best Practices – Online and PC Security Tips

• Log In: Enter Personal Online Username and Password or enable Face ID
  • Username Memory after 1st login
  • Soft Token Users will enter their One Time Password/ PIN as the Password
  • Face ID can be enabled after 1st login
• View Account Balances, Transactions, and Check Images
• Transfer Funds between F&M Accounts
  • Authorization Required
• Mobile Deposit Checks
• SecureAlerts
• Treasury Alerts
  • Positive Pay
  • ACH and Wire, if approval is required

To Use the F&M Business Mobile app:

• You must have an active F&M Personal Online Banking account
• Have an Apple® device or Android™ device.
• On the App Store or Google Play, search for F&M Personal App, click the download links below, or scan the QR codes to get started.

Click on the download links below to get started.

How do I start using my app?

1. Touch the F&M Business Mobile app icon on your home screen.
2. Follow the on-screen guide for entering your Business Online Banking:
   • Username and Password
   • If you cannot remember your Password, call 800-645-4199 to request a password reset.
   • Your Business Online account will lock if you incorrectly enter your password 3 times.
3. After reading and accepting the F&M MobileBiz! terms, you will be set up and ready to use the F&M MobileBiz! app!
   • For Help or Information about our products and services, call 931-645-2400 or 800-645-4199 toll-free, Monday-Thursday 8:30-4:00 CST; Friday 8:30-5:30 CST or you may send a secure email message.

F&M Business Mobile Feature... Mobile Deposit

With our Business Mobile App, you can deposit checks with your camera enabled smartphone and tablet from anywhere, with no deposit fee!

To enroll for Mobile Deposit with Our Business Mobile Banking

Visit any F&M Branch Office and request to authorize Business Mobile Deposit for your account(s), or click the link below!

Upon approval, you will be ready to make your first deposit. First, endorse your check, then open the app and select “Deposit” from the app menu located at the bottom of the screen.

Simply follow the mobile deposit prompts to complete and submit your deposit. You will receive an email notice letting you know your deposit was Accepted or Rejected. You can also view the status of your mobile deposit on the app by selecting “Deposit” from the app menu, then select “View Mobile Deposit History.”

F&M MobileBiz! Mobile Deposit Product Information

*Business days: Monday - Thursday 8:30 a.m. - 4:00 p.m. CST; Friday 8:30 a.m. - 5:30 p.m. CST

Connecting your small business to F&M Bank Direct Connect will allow you to easily import transactions for debit cards, credit cards, wire transfers, and more to manage your cash flow in record time.

• No manual data entry - Once you're set up, you can download all your transactions right into QuickBooks - instead of typing them in by hand.
• Automatically reconcile data - Direct Connect data includes complete transaction and balance information to make categorization and account reconciliation easy.
• No duplicate transactions - Direct Connect incorporates a special transaction-matching algorithm that prevents the download of duplicate transactions.
• Transfer funds - Direct Connect lets you transfer funds between your F&M Bank accounts right from Intuit QuickBooks.
• Easier to use - Direct Connect files may be automatically opened from within QuickBooks, which eliminates the need for you to search for files that have been downloaded.

You will need to modify your QuickBooks settings to ensure the smooth transition of your data. For more information, please download our step-by-step instructions found below.

QuickBooks for Mac QuickBooks for Windows

QuickBooks Online

Want to connect your F&M Bank accounts to your QuickBooks Online? Follow these steps and get connected today!

1. In the search bar, input "www.myfmbank.com"
2. Select one of the following options:
   • For Business Banking Customers, select "F and M Bank (TN) - Business Banking"
   • For Personal Online Banking Customers, select "F and M Bank (TN)"
3. Enter your F&M Bank Online Banking credentials to complete the connection process.

QuickBooks Features

The products and services offered through this accounting platform can help you keep your business financials in order. Financial institutions are making it even easier by implementing data transferred with digital sync. You can link your checking account and other financial accounts to get an accurate view of your cash flow.

Some available features include:

• Bill management
• Business funding
• Cash flow insights
• Expense batching
• Invoicing and payments
• Inventory management
• Mileage tracking
• Payroll
• Customized reporting
• Tax deduction tracking

What is required to enroll in eStatements?

Eligible customers may enroll online for eStatements.

eStatement customers must have and/or maintain the following to be eligible for eStatements:

• An active online banking account (Personal or Business Online Banking).
• A correct email address.
• A personal computer or other device capable of accessing the Internet and F&M Online Banking.
• An Internet web browser with capabilities to support commercially reasonable encryption software.
• Adobe Acrobat Reader version 8.0 and above. Don't have Adobe Reader?  Download here for free.

How will I know when my new statement is ready?

You will receive a notice via email when your current eStatement is available to review.

What if I change my email address?

It is important that customers maintain a correct email address with our bank.  If you change your email address, please contact Customer Service at 1.800.645.4199.*

How will I view my eStatements?

• For consumer accounts, statements are made available via F&M Personal Online Banking and F&M Personal Mobile App.
  • Sole Proprietors (only) may access their business account eStatement via F&M Personal Online Banking.
• For Business accounts, statements are made available via F&M Business Online Banking.
  • Customers who own business and consumer deposit accounts may access eStatements for both using F&M Business Online Banking.
  • At this time eStatements are not available via F&M Business Mobile App.

How long will my eStatements be available?

A rolling 24 months of eStatements are made available.

What if I need a paper copy?

You may request a paper copy of an eStatement (for pickup or mail) by contacting Customer Service at 1-800-645-4199.*

Paper statement fee is $5.00 per statement.

What if I still have more questions?

Please call Customer Service at 1-800-645-4199 or contact your local branch.*

*Customer Service Business Hours: Monday-Thursday 8:30 am – 4:00 pm CST Friday 8:30 am – 5:30 pm CST (excluding holidays)