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Welcome to our F&M Mobile Banking


Check our our new and improved app. Download today!

Android Devices click here:
Apple Devices click here:

Enjoy the same convenient functionality, with a new  and improved look and some added features.

  Take a look at what's new:
  • One User ID and Password for Mobile and Online Banking (yes, we said ONE!)
  • Instant Balance – See your balances without logging in
  • View check images
  • Make Payments with our new and enhanced Bill Pay
  • Popmoney – an easy, fast and secure online personal payment system that lets you send, request and receive money (pay the sitter, split the meal bill)

Enhanced Features Include: 

  • Touch ID Settings – fingerprint or facial recognition (on supported devices)
  • Account Alerts – stay on top of your account activity with customized, real-time alerts

What do you need to do?

  • Uninstall our old app from your device and visit the App Store or Google Play to download our new and improved Mobile App. Search F&M Bank Tomah 
  • Already enrolled in Online Banking? Simply enter your Online Banking User ID and Password when prompted.
  • New to Online Banking? Tap the First Time User? Enroll Now link and follow the prompts to establish a User ID and Password (this will also enroll you in Online Banking)


  • Want to enable Touch ID? Tap More in the bottom navigation bar and then tap Touch ID Settings. Toggle the Touch ID switch to On
    • No fingerprint stored on your device? You’ll be prompted to save at least one fingerprint before turning on Touch ID.
  • You can start banking as soon as you log in! 


New Bill Pay  Now Available 
Our Upgraded Bill Pay system designed to simplify how you send money.  Enjoy the same convenience of securely paying your bills with some added enhancements and exciting new features: 
  • Improved Navigation
  • Payment Status Notification
  • Snap. Paid:
    • Take a photo of your bill with your phone, review, and pay! All without leaving the mobile app.
  • Enroll in our NEW eBill option:
    • Have your billing statements sent directly to your online Bill Pay center*
    • Get notified when and how much is due each bill cycle
    • Receive a confirmation when you bill has been paid
    • eBill can be activated on a desktop or your mobile device
    • Enjoy more security with less mail!
  • Try Popmoney® - Popmoney® is an easy-to-use service offered through your F&M Bank Bill pay. It's a fast and secure way to send, request, and receive money.....all you need is a name and an email address or mobile phone number. Split a bill, pay a sitter, send a gift, the possibilities are endless!
For more information on Popmoney, click here.  
*Transactions initiated through Popmoney are assessed a $0.75/transaction fee.
Why Mobile Banking?

Manage your accounts effortlessly and efficiently, in the palm of your hand!  Mobile Banking allows you to enjoy secure, easy, and convenient access your F&M accounts.

Our Mobile App, allows you to complete all of the traditional Online Banking tasks - view current account balances, transfer funds, make loan payments, and view recent transactions, PLUS additional features:


For questions:

contact us today! 

Mobile Banking FAQs

What does it cost?

We do not charge for our Mobile Banking service.  (Your mobile carrier may charge for internet access - check with your mobile carrier for details.)

Which mobile devices are supported?

iPhone™ or Android smartphones.

How do I enroll?

First, you must have an account with F&M Bank.  If you are already an online banking customer, you can enter in your online banking username and password into the app.  If you are not an online banking customer, you can click on "First Time User? Enroll Now" link and follow the prompts.  

Is Mobile Banking safe?

Mobile Banking uses multiple layers of security to protect your personal informative including encryption of offline storage.  Once downloaded, Mobile Banking uses a User ID and Password to access the App.  All data placed into local storage on the smartphone is encrypted for additional security.  

Can someone intercept my Mobile Banking transactions?

Your information is protected with 128-bit SSL encryption as it travels from your smartphone to the Bank.  The 128-bit SSL encryption technology is the same encryption used to protect Internet traffic for secure webpage applications.

Can Mobile Banking be accessed without a Password?

Mobile banking can be accessed without a password by enabling the Touch ID function (For supported devices)  Login with your finger print to see your balances and account history.  (To initiate transfers or to access your Bill Pay, a password will need to be entered. You can also enable the Instant Balance feature which allows you to see your balance at a glance without entering in a password or using Touch ID.  
Do I need Online Banking to use the App?

Online Banking and the Mobile App go hand in hand.  If you sign up for Mobile Banking, you can always log into Online Banking through a desktop computer or a tablet and use the same credentials. To activate your eStatements, you must log into Online Banking to enroll in eStatements.  

How do I protect myself when using my smartphone?

Here are some simple things you can do:
  • Lock your screen with a password. This is a simple step and it does provide an extra layer of security if your smartphone is lost or stolen.
  • Install and/or enable remote services. Most major smartphone operating systems (iOS, Android, Windows Mobile) can be enabled with some or all of these features: remote lock, remote wipe, and even GPS location (for finding where your smartphone if lost/stolen) are available in many cases. (If not available on the smartphone, Apps are available for these services. Contact your mobile carrier for details.)
  • Use Mobile Antivirus/Anti-malware services. 

Can I safely recycle or dispose of my device if it has Mobile Banking on it? 

Yes. Generally accepted security practices indicate all mobile devices should be “wiped” before they are disposed of or recycled. Check with your device manufacturer or carrier for procedures specific to your device.

Which accounts can I make transfers to with the Mobile Banking App ? 
You can transfer between savings to savings, checking to checking, savings to checking, checking to savings,  and savings and checking to a loan.  You may not transfer from or to an IRA or a Certificate of Deposit. 

How do I know if a transfer was made using the Mobile App? 

The transaction history will identify each transfer made within the App.  After each transfer is made you will get a Transfer Complete notification through the app.  

Can I establish a recurring transfer in the Mobile App?

While you cannot set up a recurring transfer, you can set a transfer to take place at a future date.  Recurring transfers may be set up through Online Banking.  

What is Mobile RDC?

Mobile Remote Deposit Capture (MRDC) is a secure online service that allows you to take a picture of paper checks with your mobile device and electronically send the check images for deposits to F&M Bank.  

When am I able to submit my deposits? 

Deposits can be submitted 24 hours a day, 7 days a week.  The funds will appear in your account by 6:00 pm the following business day. 

Is there a dollar amount limit on the checks I can deposit? 

You are able to deposit up to $2,000 per day with Mobile RDC. 

How many checks can I include in one deposit?

You must deposit one check at a time. 

How long should I retain the original checks? 

Securely store each original check for a period of 14 days after the deposit has been credited to your account. Within those 14 days, take the following appropriate security measures:

  • The information contained on the check(s) is not to be disclosed to outside parties.  
  • The check(s) should not be duplicated or scanned more than one time.
  • No deposit or attempt to deposit should be made over the counter or by other means.
  • After 14 days and verifying the deposit into your account, destroy the original check.

What kind of checks can be processed through the Mobile RDC?

The following types of checks payable in U.S. dollars and drawn on any U.S. bank, including but not limited to the following, may be deposited via Mobile RDC:

  • Personal Checks
  • Money Orders
  • Certified Checks

To which accounts can I make a deposit with the mobile banking App?


You can make a remote deposit to a primary savings account or a checking account. You cannot use remote deposit to make a loan payment, deposit to an IRA, or to a certificate of deposit.

I can’t take a clear picture of a check for submission. Why not?

Smartphones with a low megapixel camera may not be able to take a clear picture of the check.

What would cause a deposit to be rejected?
A remote deposit item will be rejected if (including but not limited to):

  •  The item is a duplicate within the App
  • Four corners of the check cannot be detected
  • Two images of the same side of the check are submitted instead of one image of the front and one image of the back
  • Either of the check images are out of focus
  • The view angle of the check is too excessive
  • MICR line data cannot be recognized by the system
  • The amount of the deposit entered by user does not match the numeric amount on the image of the front of the check
  • The endorsement signature on the back is missing