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Pay (or Get Paid!) with Person-to-Person Payments


Paying for groceries with your debit card makes sense. But your babysitter might not have a card reader on her. Person-to-Person (P2P) payments are an ideal way to send money electronically, using just your payee’s email address.

What is F&M P2P?


Most importantly, it’s an easy, secure payment method that’s now available through online banking and on F&M Bank’s Mobile App. The concept will probably be familiar to you; F&M P2P is similar to third-party payment tools you’ve probably used to buy or sell things online.

Cool perks:
  • Make an electronic payment* using the payee’s email address or bank routing number. You can also choose to mail a check.
  • Just like online bill pay, there’s no fee to use F&M P2P.
  • Choose a one-time payment or set up recurring transactions.
  • Any payees already set up within your Bill Pay system also will appear on the F&M P2P feature of your Mobile App. You can also add a P2P payee within the app.

Start Using P2P


No need to visit the App Store or Google Play to access F&M P2P. It will appear on your F&M App once you enroll in online bill pay and create your first payee. (If you haven’t downloaded the F&M App, visit our mobile banking page).

Click on “Add a Payee” on the Bill Pay dashboard, select “Pay a Person” and then follow the simple instructions. That’s it!

Watch our short instructional video here!

Questions about F&M P2P? Contact the support center Monday-Friday, 7:30 a.m. to 2 a.m. Call 866-245-8122 or choose the Live Chat option.

*Daily limit is $2,500.