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Online Banking

Life is busy, so when you need convenient online or mobile banking services, F&M Bank has your back. Learn about all the benefits of our online banking services, including mobile deposit, bill pay, and eStatements. In addition, you can visit our online education center to learn more about each of our services and teach your kids more about money management through our specially created Just for Kids site.

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Online Banking and Bill Pay

Bank online through our secure login portal. Learn how to open your F&M Bank online account and get access to our convenient eServices. Check balances, transfer funds, and do your bill pay all online with F&M Bank.

Online Banking and Bill Pay Services

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 with F&M banking online!

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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 account, credit card, 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

Please contact us promptly if you believe your Online Account and/or any of these security functions have been compromised. Find a branch office location or you may call us toll-free 800-645-4199 or in Clarksville-Montgomery County at 931-645-2400.

Personal Online Bill Pay

A Faster, Easier Way To Pay!
  • Fewer checks to purchase
  • Fewer checks to write
  • Fewer envelopes to address
  • Fewer stamps to buy!
  • More Bill Pay benefits


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 with Your Account and Routing Number
  • Deposit Checks (Mobile Deposit)
  • Connect other Financial Institution Accounts and Move Money from One Bank to Another
  • Geo-Locate F&M Branches and all ATMs

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

Telephone Banking

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 in Clarksville Tennessee, and multiple other locations in Middle Tennessee. 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.


F&M Mobile Banking App

Learn about the many advantages of using the mobile and online banking services from F&M Bank. Use your smartphone or mobile devices to handle day-to-day transactions, check deposits, transfers, and find your local branch.

Mobile Banking Services

Use The F&M Mobile Banking App for Convenient Online Banking

Mobile devices have become almost essential for everyday life. With more and more people spending time on their phones or tablets, mobile online banking should also be accessible and easy.

Whether you’re managing your personal finances, or are in charge of business banking, the F&M MobilePlus! App provides you with easy access to useful features.

F&M Bank MobilePlus! App Features:

  • Passcode Entry - For secure and easy access.
  • View Account Balances and Transactions - Displayed discreetly on your home screen, so you can quickly review your balance wherever you go.
  • Transfer Funds between F&M Accounts - Whether you have a savings account or a checking account, MobilePlus! Makes managing your funds easy and hassle-free.
  • Pay Bills - Secure mobile bill pay lets you tackle this task on-the-go.
  • Deposit Checks (Mobile Deposit) - Don’t have time to run by the bank? You can now securely remote deposit your checks just by taking a picture.
  • Connect other Financial Institution Accounts - You can even connect the app to help you manage your assets outside of F&M Bank.
  • Receive Notifications - Keep an eye on the status of all transfers when you sign up for notifications. Alerts are available through mobile app notifications.
  • Geo-Location of F&M Branches and all ATMs - Need cash or in-person help? F&M MobilePlus! can help you find the nearest F&M Bank or enabled ATM near you.

Specifically, the app is built to help you handle bill pay, credit card transactions, and personal bank accounts. Unfortunately, debit cards are not supported at this time. If you need mobile business banking solutions, we offer a separate business banking app.

How to Download the F&M MobilePlus! app:

  • You must have an active F&M Personal Online Banking account; and
  • Have an Apple® device with iOS 9.0 or above or Android™ device 4.1 or above.
  • On the App Store or Google Play, search for F&M MobilePlus! or click the download links below to get started.

Apple Pay Icon Google Play Icon

How Do I Use My F&M MobilePlus! app

  1. Touch the F&M MobilePlus! app icon on your home screen.
  2. Follow the on-screen guide for entering your Personal Online Banking:
    • User ID
    • Password; and
    • Correctly answering one of your Personal Online Banking security questions.
  3. Next, you will be asked to enter and confirm a 4-digit MobilePlus! Passcode.
    • Securely maintain your Passcode; it is the key that opens your F&M MobilePlus! app.
    • If you cannot remember your Passcode, reset it by selecting "Forgot?" on your F&M MobilePlus! passcode screen.
  4. After reading and accepting the F&M MobilePlus! Terms, you will be set up and ready to use the F&M MobilePlus! App!

For Help or Information 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 MobilePlus! Feature: Mobile Deposit

Personal Mobile DepositWith the F&M MobilePlus! app, you can deposit checks with the camera on your smartphone or tablet!

To enroll for Mobile Deposit

Simply open the F&M MobilePlus! app, select "Deposit" from the app menu then follow the on-screen guide to complete and submit the enrollment form.

Notification of approval will be posted on your F&M MobilePlus! app within 1-2 business days*.

Upon approval, you will be ready to make your first mobile deposit.



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


Want to save paper and get your monthly bank statement faster? Go green and sign up for eStatements.

  • Faster delivery: you no longer have to wait for the mail
  • 24/7 availability: you just need internet access
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We are here to help.

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Personalization Settings

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F&M Bank would like to personalize your banking experience. Please enter your first name below.

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This level of personalization will not lead to the sale of your name or leak your identity. The information you provide will only be stored on your computer and will not be transferred to any other source.

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