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Farmers & Merchants Bank


General FAQs

  1. 082907477

  2. Contact your local branch to learn about getting signed up for Direct Deposit services.

  3. There are many different ways you can check on your account.

    • Call the 24 Hour Telebanc by dialing 888-672-4222. You can follow the prompts to check on your account or speak to a customer service representative.
    • You can Enroll/Login to Online Banking and view your account transactions 24 hours a day.
  4. Changing the address on an account requires a signature. You will need to go into your local branch and fill out a change of address form.

  5. Find your branch's hours of operation.

  6. We will never request your account number, password, or other personal identity information via phone calls initiated by us or through email. Do not give your account information out over the phone and never put any type of sensitive information in an email. If you call us requesting information regarding your account, we will ask you certain questions to verify your identity.

  7. What type of accounts are regulated by Regulation E? The regulation only applies to consumer accounts. Commercial accounts are not offered protection under Regulation E.

  8. Click here to order your checks!

Online Banking

  1. You can contact us a few different ways. Start by visiting our Contact page to get started.

  2. Yes! You can login to Online Banking or Me Banking Mobile 24 hours a day, seven days a week. You have access to your account information anytime you need it.

  3. Accounts are updated in real-time.

  4. Online Banking is for Personal Banking. Business users need to use our Business Online option.

Online Banking Security

  1. Enhanced Online Security verifies your identity in two ways. Every time you log in to Online Banking, we identify you, and it lets you identify us by using a private image and pass phrase.

  2. Federal Regulation requires that you change your password every 180 days.

  3. Click here to reset your password.

  4. Login to Online Banking and click the Profile button in the top right menu. Click "Edit" next to the Password category to change your password. Remember to use your new password the next time you login.

  5. We recommend that customers periodically evaluate their security controls for Online Banking. Changing passwords frequently and using complex passwords are both recommended. Additionally, customers may change challenge questions/answers as they desire. Other risk control suggestions can be found on the Federal Trade Commission's website at

Mobile Banking Overview

  1. Our Mobile Banking service employs industry best practices with regards to security. It has been assessed against industry security criteria by a number of independent system security experts.

    Mobile Banking offers the highest level of Security Safeguards:

    • Authentication - Mobile browser and app users are authenticated for every interaction with any Mobile Banking component. Users are authenticated by username and password or by utilizing existing login credentials for single sign-on.
    • Encryption - 128-bit encryption is used for all transactions within Mobile Banking
    • Fraud - Mobile Banking incorporates mechanisms such as transaction validation and transaction reconciliation processes to detect fraud
  2. No. Mobile Banking does not save any files with personal or financial information on your mobile device. That information stays strictly within online banking. Some phones (e.g., BlackBerry, Android) have logo and branding files that are copied to the mobile device. Those files do not contain any personally identifiable information.

  3. You can access any account you have set up in online banking. You select which accounts you want to access using Mobile Banking during the enrollment process.

  4. When you view your account balance, you see the current available balance. When you view transaction history, you see the most recently posted transactions. Pending transactions do not display.

  5. Yes. You can enroll several mobile devices for Mobile Banking. To add a new phone, complete the Mobile Banking Enrollment section.

  6. If your mobile phone number changes, simply update your mobile phone number in the Mobile Banking section in Online Banking.

  7. If your mobile device is lost or stolen, no one can access your account without knowing your password and, in some cases, your unique user name. To prevent unauthorized access to your account, you can deactivate your phone by logging in to Online Banking.

  8. Hundreds of models are supported including these major brands: iPhone, BlackBerry, HTC, LG, Motorola, Nokia, Pantech, Samsung, Sanyo, and Sony Ericsson. Phones on a number of different operating systems are supported including, but not limited, to Android, BlackBerry, iOS, Symbian, Windows Mobile, Linux, Palm webOS, and Maemo.

  9. Me Banking Mobile works on all major mobile service carriers in the U.S.: AT&T, Sprint, T-Mobile®, U.S. Cellular® and Verizon Wireless. Our service also works on a number of the smaller service carriers, including, but not limited to, Boost Mobile, Cricket Wireless, Metro PCS, Pioneer Cellular, Union Wireless and Virgin Mobile USA.

  10. Our service works with most prepaid plans, but we cannot guarantee that your carrier supports standard U.S. short codes. T-Mobile prepaid does not support short codes.

  11. Yes. Me Banking Mobile is an all new service, and the previous version will no longer be available. In order to use the latest service, you must first enroll through Online Banking.

Text Banking

  1. No. Whether you type "BAL" or "bal," a response with your account balance information is sent to your mobile device.

  2. Make sure you are sending text messages to the FMBankMobile Number, 96924. Check the keyword and any additional information required for the request, such as our identifier "FMBankMobile", account nickname, or address.

  3. Text messages are limited to 160 characters. If your account information exceeds the character limit your account information is sent in multiple messages - no more than five at a time.

  4. Your mobile service carrier may be blocking short codes or you may have blocked short codes on your mobile device. Short codes must be enabled to use Mobile Banking. Short codes are abbreviated phone numbers, usually five digits, used to send Mobile Banking messages.

Mobile Web Banking

  1. Every mobile device and mobile network is different, so you may not be able to click on a link in a text message.

    Try these troubleshooting tips:

    • Open the text message and click the "Send" or "Go" button on your mobile device to access the website URL. Then click the address to go directly to the website.
    • Open the text message and write down your unique website URL. Type the URL in your device's web browser to go directly to the website.

    If you still can't access the Mobile Banking website, contact your mobile service carrier.

Mobile Banking App

  1. Every mobile device and mobile network is different, so you may not be able to download Mobile Banking to your mobile device. If you are having trouble, contact your mobile service carrier to make sure your mobile device supports application downloads.

  2. The Mobile App is supported by iPhone and Android smart phones. However, beginning January 2013, the Mobile APP will no longer have the ability to support iPhone 2G or 3G models, due to version support from Apple, the makers of iPhone smart phones. This only affects the downloadable App for the mentioned iPhone models and will not affect those models' Mobile Web Banking or Text Banking abilities. At this time, the previously available App for BlackBerry devices will also be retired. Android smart phones will not be affected by this release.

ATM & Debit Cards

  1. Reset your Pin by calling, 800-992-3808.

  2. There are no fees for using your debit card to make point of sale purchases or withdrawals at a Farmers & Merchants Bank ATM. If you use your debit card at a non-Farmers & Merchants Bank ATM, you may be subject to charges from the other institution, based on their fee policies. Farmers & Merchants Bank will NOT charge you a foreign ATM fee on Debit Card transactions. Different fee policies apply for Credit Cards.

  3. Visit our Locations page to locate our ATMs. You can also use the ATM locator in Mobile Banking.