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Online Banking

Girl talking on phone on outdoor bench.

Banking by Phone delivers the freedom to tackle your finances 24 hours a day—without a computer or Internet connection. You can access some of our most popular services and complete numerous transactions using only a touch-tone phone.


Benefits of Banking by Phone: 

Convenient Self Service 

  • Report a lost or stolen card 
  • Transfer funds between your accounts 
  • Reorder checks 

Account Management 

  • Make balance inquiries on your accounts 
  • Make loan payments 
  • Stop a payment 


How to Use Banking by Phone
Have your account number and PIN (personal identification number) handy. Then simply dial one of the numbers below and follow the prompts. 
English: 704-637-9922 

Spanish: 704-633-3749 

Merchants: 704-633-1648 


Options Menu
You’ll be offered the following choices:
Account Information | Press 1 

Transfer Funds/Make Payment | Press 2 

Stop Payment | Press 3 

Report Lost/Stolen Card | Press 4 

Reorder Checks | Press 5 

Complete Call | Press # 

Repeat Menu | Press * 


Account Information Menu 
Access the balances of any of your F&M accounts. 

Checking Account | Press 1 and enter the account number followed by pound 

Savings Account | Press 2 and enter the account number followed by pound 

Loan Account | Press 3 and enter the account number followed by pound 

CD/IRA Account | Press 4 and enter the account number followed by pound 

Club Account | Press 5 and enter the account number followed by pound 

Return to Previous Menu | Press #