Thank you for your interest in Personal Online Banking.

With Online Banking & Bill Payment you can do most of your banking anytime of the day. All you need is a computer with access to the Internet. Log into your accounts anytime 7 days a week and:

Pay bills (no stamps / no envelopes) Setup recurring bill payments (monthly, weekly, etc.) Transfer money between accounts Setup recurring transfers View your statements from your checking and savings accounts View your most current loan balance No teller lines and no closing times

Our Online Banking & Bill Payment service is free. There are no monthly charges and no per bill pay charges.

Online Banking Service Fee Monthly Service Fee Free Online Bill Payment Free Transfer between accounts Free View Account Activity Free

Online Banking & Bill Payment Service It's a powerful update with new and enhanced features that will make banking easier, more efficient and more productive than ever. It's just another example of our commitment to continuously improve our products and services for you. It has a fresh new look and easy-to-follow screen prompts to make your online banking experience enjoyable. Now you can access our new Online Banking & Bill Payment Service from our home page using your current User ID and Password. What's New?

Real-time Information - Your deposits and withdrawals (not including ATM transactions) appear on your screen at virtually the same moment they are recorded, providing you with the most up-to-date information on your accounts. Stop Payments - No need to call or visit the bank. Now, with just a few keystrokes, you can enter stop payment requests for a single check or a range of check numbers. Future and Repeating Transfers - Enables you to schedule a transfer between F&M Bank accounts or schedule transfers on a regular basis. A great time saver. Easy to set up and a great way to make sure transfers are made on schedule. Enhanced Bill Payment - Never experienced the convenience of paying bills online? Now, it's as easy as signing on. Bill Payment Custom Reporting - Another great benefit of the Bill Payment feature. These custom reports make it easy to see who you paid and when. Pay Bills From More Than One Account- Now you can pay bills from more than one account. Great for paying bills like your quarterly insurance premium. Bill Payment - Paper Check or Electronic Payment Indicator - Lets you know if the payment will be made electronically or by paper check. A great help in managing your cash and paying your bills on time. Account Alerts - Want to know when a certain check clears? When your balance reaches a pre-set amount or when your Certificate of Deposit is maturing? You can set up seven different alerts, each will trigger an automatic e-mail message to you. Another great tool for managing your cash. Choose a New User ID and Password - Once you're online, you can change your user ID and your password.

Learn more: Try the Online Banking with Bill Pay demo View the animated Bill Pay demo Download the online banking brochure with the Quick Reference card on page three. New Users: If you are not currently using our Online Banking & Bill Payment service, you may sign up and start using the new service today. Just visit our sign up page. Please note: For security purposes, you will need your account number and last statement balance on one of your accounts to successfully complete enrollment. If you do not have this information, please call Client Services at 1-888-493-5142.