F&M Bank (OH, IN, MI)

Farmers and Merchants State Bank

About this app

F&M is integrated in the palm of your hand with a seamless, optimized Mobile Banking solution for all your banking needs. The F&M Mobile Banking app is available to all F&M Personal Online Banking Customers.

F&M Mobile Banking is fully secure. No personal information is stored on your phone. With multiple layers of authentication, you will not have to worry about the wrong people getting your information. Using the screen lock on your phone is still recommended.

To get started, download, and launch the free app. Sign in with your F&M Bank Online Banking user ID and password. That’s all you need to integrate F&M in the palm of your hand!

Available Features Include:

− Accounts

Check your account balance and search recent transactions by date, amount, or check number.

− My Cards

Manage your F&M debit card.

− Transfer Funds

Easily transfer cash between your F&M accounts.

− Check Deposit

Deposit a check into your F&M account from anywhere.

− Pay bills

Easily pay bills anytime on the fly.

− Locations

Search ATM and Office locations by current location or zip code.

To learn how we protect your privacy, https://www.fm.bank/privacy-policy/

Your mobile carrier’s text messaging and web access charges may apply. Member FDIC.

Ratings and reviews

This app crashes often when attempting to login. Very unreliable which is not good for a banking app. It's not just the most recent version. It's every version for the past 2.5 years. Updating my review 2019, still terrible app. They added fingerprint which still have issues locking my account out each time i login. Ready to close my account and go elsewhere.

I haven't had any issues and I have been using app for years (Samsung S7 and now Samsung S10). Update 02 OCT 2023: Getting an error, "Your disk may be full or you're experiencing connectivity issues." My disk may be full? FYI, I have plenty of "disk" storage left on my phone and I'm at full bars for connectivity, so what's up with that error?

This app does well. The only thing I can see room for improvement would be when making an internal transfer (e.g. - transfer from savings to checking) you should not need to enter your password. I keep my password at the maximum number of characters allowed and it is incredibly hard to input. Maybe allow the fingerprint be an option too, if enabled. If it was an external transfer I can see entering your password being default.

What's new

We are continually releasing new updates to further improve your mobile banking experience. This version includes user interface improvements, security updates and bug fixes. Please be sure to turn on automatic updates to make sure that your app is always up to date.