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Online Banking

With F&M Online Banking, you can access your account information, transfer funds internally anytime at no charge and pay bills anytime with a small monthly fee. This is just another way F&M provides our customers with a more efficient way to do their banking. If you have questions, you can refer to Frequently Asked Questions (FAQ), email us through our web site ( at Contact Us or call the Online Banking Department at 704.279.7291 Monday through Friday from 9:00 a.m. to 5:00 p.m.

Unauthorized attempts to access this system may result in criminal prosecution and/or civil liability. Any information obtained from the monitoring activity within F&M Online Banking may be used to investigate and prosecute possible criminal activity.

Service Agreement

This Agreement describes your rights and obligations as a user of F&M Online Banking. It also describes the rights and obligations of F&M Bank. Please read this Agreement carefully. By requesting and using F&M Online Banking, you agree to comply with the terms and conditions of this Agreement and agree to pay any and all fees associated with selected services.


The following definitions apply in this Agreement: F&M Online Banking is the Internet-based service providing access to your F&M Online Banking account(s). Services refer to F&M Online Banking and/or Bill Pay within this Agreement. F&M Online Banking Accounts(s) refers to any F&M account(s) from which you will be conducting transactions using the Services. Time-of-day references are to Eastern Standard Time or Eastern Daylight Savings Time, as applicable. We, Us, Our or F&M refers to F&M Bank which offers the service and which holds the account(s) accessed by the Service. Business Days are Monday through Friday, excluding holidays, and begin at 9:00 a.m.

Access to Services

You will gain access to your F&M Online Banking Account(s) and/or through the use of your Internet-enabled device, your Internet service provider (ISP), your User ID and your password.

Your Personal Password

You agree not to allow anyone to gain access to the Services or let anyone know your password used with the Services. You agree to assume responsibility for all transactions initiated through the Service with your User ID and password, up to the limits allowed by applicable law.

Banking Transactions with F&M Online Banking

In addition to viewing account information, you may use F&M Online Banking to conduct the following transactions: Transfers conducted before 5:00 p.m. on a Business Day will be processed and completed the same evening. Transfers conducted after 5:00 p.m. on a Business Day or transfers conducted on a Non-Business Day will be processed and completed the next Business Day. NOTE: Because regulations require F&M to limit preauthorized transfers (including F&M Online Banking transfers from certain types of accounts), the following limitations apply:

  1. Statement Savings Account - You can make no more than three (3) transfers per statement period by preauthorized or automatic transfer, by telephone or F&M Online Banking;
  2. Money Market Savings Account - You can make no more than six (6) transfers per statement period by preauthorized or automatic transfer, by telephone or F&M Online Banking and no more than three (3) of the six (6) permitted transfers may be by check, draft or debit card.

If you select to participate in the Bill Pay function of F&M Online Banking, you are able to make payments to third parties electronically or by check. If payments are made before 1:00 p.m. the funds are debited from your account that same day, after 1:00 p.m. the funds are debited the next day.

NOTE: If the payment is made electronically, allow three (days) for processing. If a check is issued to make your payment, please allow a minimum of ten (10) days for processing and mail delivery to the third party.

Stop Payments

Stop payments may be handled through F&M Online Banking. To stop payment on a check you have written on any of your Online Banking accounts, go to the stop payment screen and follow the instructions. The stop payment performed online will be in effect on the business day following the day on which the request was made. The order will remain in effect for fourteen (14) days unless a signed order is received. A signed stop payment order is in effect for six months unless renewed or canceled by you. Please print the Stop Payment page, sign and date it and deliver or mail it to one of our branch locations.

Electronic Mail

If you send F&M an electronic mail message, F&M will be deemed to have received it on the following Business Day. F&M will have a reasonable time to act on your email. You should NOT rely on electronic mail if you need to communicate with F&M immediately. For example, if you need to report the theft of your User ID and password or an unauthorized transaction from one of your accounts, call 704.279.7291. Please remember that email is not a secure environment such as F&M Online Banking, so please do not include any sensitive information in your email (i.e. account numbers, passwords or Social Security numbers). You agree that F&M may respond to you by electronic mail with regard to any matter related to the Services, including responding to any claim of unauthorized electronic funds transfer that you make. Any such electronic mail sent to you by F&M shall be considered to have been received within three business days of the date sent by F&M, even if you don't sign onto the Services within that timeframe.

Other Agreements

In addition to this agreement, you and F&M agree to be bound by and comply with the requirements of the agreements applicable to each of your F&M Online Banking Accounts. Your use of the F&M Online Banking service is your acknowledgment that you have received these agreements and intend to be bound by them. You should review other disclosures received when you open your accounts at F&M, including the charges that may be imposed for Bill Pay Services, electronic fund transfers or the right to make transfers listed in the fee schedules accompanying those disclosures and the fee schedule at the end of this Agreement. We will automatically deduct the fees related to this Service from your account each month. New services may be introduced for F&M Online Banking from time to time. F&M will notify you of these new services as they become available. By using these services, you agree to be bound by the rules, which will be made available to you concerning these services.

Hours of Operation

The Services are available 24 hours a day, seven days a week, except during special maintenance and production periods. For purposes of transactions, F&M's Business Days are Monday through Friday, excluding holidays. All F&M Online Banking transaction requests received after 5 p.m. on Business Days and all transactions which are requested on Saturdays, Sundays or legal banking holidays on which F&M chooses to remain closed will be processed on the evening of the next F&M Business Day. F&M's Business Day begins at 9:00 a.m. Once a transfer is made between accounts, the posting will appear in "Available Balance" not in "Current Balance". "Current Balance" will not be updated with the day's posting until the next Business Day. If you elect to participate in the Bill Pay function of F&M Online Banking, you are able to make payments to third parties electronically or by check 365/24/7. If you issue instructions for payments to be made before 1:00 p.m. the funds are debited from your account that same day or the first Business Day following the order; after 1:00 p.m. the funds are debited the next Business Day.

NOTE: If the payment is made electronically, allow three (days) for processing. If a check is issued to make your payment, please allow a minimum of ten (10) days for processing and mail delivery to the third party.


You will continue to receive your regular account statement either monthly or quarterly, depending on the type of account.

Liability for Failure to Make a Transfer

If F&M does not properly complete a transfer to or from your account on time or in the correct amount according to our agreement with you, F&M Bank will be liable for the amount of any losses or damages incurred by you and resulting directly from such failure. However, there are some exceptions. F&M will not be liable in the following instances.

Limitation of Liability for Transfers

You agree that, except as expressly stated herein, there is no warranty of merchantability, no warranty of fitness for a particular use and no other warranty of any kind, express or implied, regarding the information or any aspect of the services. You further agree that F&M will not be liable for failure to properly complete a transaction in the following instances:

  • If we have received incomplete or inaccurate information from you or a third party involving the account or transfer;
  • If circumstances beyond our control (such as fire, flood, power outage, equipment or technical failure or breakdown) prevent the transfer, despite reasonable precautions that F&M Bank has taken;
  • If, through no fault of F&M, you do not have enough money in your account to make the transfer;
  • If there is a hold on your account, or if access to your account is blocked, in accordance with banking policy;
  • If your funds are subject to legal process or other encumbrance restricting the transfer;
  • If your transfer authorization terminates by operation of law;
  • If you believe someone has accessed your accounts without your permission and you fail to notify F&M immediately. In this case, if you tell us within two business days after you learn of the occurrence, you can lose no more than $50 if someone uses your account without your permission; (If you do NOT tell us within two business days after you learn of the occurrence, and we can prove we could have stopped someone from using your account without your permission if you had told us, you could lose as much as $500.)
  • If you have not properly followed the scheduling instructions on how to make a transfer included in this Agreement;
  • If F&M has a reasonable basis for believing that unauthorized use of your User ID, password or account has occurred or may be occurring or if you default under this Agreement, the deposit account agreement, a credit agreement or any other agreement with us, or if you or we terminate this Agreement.

F&M will not be liable for any losses resulting from circumstances over which F&M has no direct control, including, but not limited to, the failure of electronic or mechanical equipment or communication lines, telephone or other interconnect problems, operator errors, logon sequences, severe weather, earthquakes, floods or other such events. You acknowledge that there are alternative methods for accessing the information and conducting the transactions provided by the Services, such as Telebanking or payment by hand written check. In the event you should experience problems in accessing the Services, you will attempt to access such information and conduct such transactions by such alternative methods.

There may be other exceptions stated in this agreement and in other agreements with you. In no event shall F&M be liable for damages in excess of your actual loss due to our failure to complete a transfer and we will not be liable for any indirect, incidental or consequential damages. If any of the circumstances contained in the first two limitations listed in this subsection occur, F&M shall assist you with reasonable efforts in taking appropriate corrective action to reprocess the transfers that may not have been completed or to correct incorrect transfers that have been processed.

Inactivity - Termination

You are responsible for complying with all the terms of this Agreement and with the terms of the Agreement governing the deposit accounts which you access using the Services. F&M can terminate your electronic banking privileges under this Agreement without notice to you if: (1) you do not pay any fee required by this Agreement when due; (2) if you do not comply with the Agreement governing your deposit or other accounts; (3) if any account is not maintained in good standing (4) or if we have reason to believe that the Services have been subject to unauthorized or improper use. F&M will promptly notify you if we terminate this Agreement or your use of the Services for any other reason.

F&M may convert your Services access to an inactive status if you do not sign on to the Services or have any transfer scheduled through the Services during any consecutive 90 day period. If your Services access is considered inactive, you must contact us to have the Services activated before you will be able to schedule any transfers through the Services.

To cancel F&M Online Banking, you must notify F&M and provide your name, address, whether you are discontinuing F&M Online Banking and the effective date to stop the Services. You may notify F&M by one of the following methods:

  • By using the electronic message feature in F&M Online Banking;
  • By sending an electronic message through F&M's website ( in "Contact Us"; (Please remember that Internet email is not a secure environment, so do not include any sensitive information in your email such as account numbers, passwords or Social Security numbers.)
  • By calling the Online Banking Department at 704.279.7291, Monday through Friday, 9:00 a.m. to 5:00 p.m.;
  • By writing a letter and either sending it to the following address or giving it to a Customer Service Representative at any F&M Bank location:
    F&M Online Banking
    c/o F&M Bank
    PO Box 307
    Granite Quarry, NC 28072

Governing Law

The laws of the State of North Carolina and applicable federal law govern your F&M Online Banking Account(s), govern this Agreement and the Services.

F&M Bank Internet Security

F&M understands the importance of privacy and security when transmitting financial data over the Internet. Because of this importance, F&M has taken the necessary steps to protect customers' financial information. Total security is a joint effort between F&M, your Internet Service provider and you, the Customer.

Internet Service Provider (ISP)

The security measures taken by F&M are independent of the measures taken by your ISP. F&M recommends using an ISP with strong security practices. Inquire with several ISPs about their security practices and choose one that you believe has your security as a priority.

User Identification and Password

F&M provides additional security for your financial information by the mandatory use of a User ID and a password to access account information. It is important that your User ID and password be kept confidential. Other measures you can take to ensure the safety of your confidential financial data is to memorize your password change your password on a regular basis and do not disclose it others.


If any provision of this Agreement is determined to be void or invalid, the remainder of the agreement shall remain in full force and effect.

If you agree to the terms stated above, please click Continue.