Online & Mobile Banking | F&M Bank | Lodi, CA - Modesto, CA (2024)

Online & Mobile Banking | F&M Bank | Lodi, CA - Modesto, CA (1)

One of our branches is always within arm’s reach. Bank entirely online at any time with our digital banking suite.


For Consumers:

Enroll Now

Online & Mobile Banking1

  • Free & secure, experience the smooth transition of your F&M accounts on all your devices
  • Manage a number of banking activities anytime, anywhere:
    • Access eStatements
    • View account balances and history
    • Transfer funds between accounts (one-time and recurring transfers)
    • Place stop payments and download transactions2
    • View checks written
    • Make loan payments
    • And more
  • Customizable dashboard allows features to be added, removed, resized & reorganized
  • Use fingerprint authentication, Face ID, or a 4-digit passcode to quickly access the mobile app
  • Easily manage your finances — tag, add notes or images of receipts to transactions to keep track of expenses
  • Use this service in two convenient ways:
  • Works on all compatible browsers

For more information, refer to the

Bill Pay

  • Pay one-time or recurring bills with ease:
    • Schedule payments in advance
    • Set up payment reminders
    • Ensure payments are received on time
    • Have all payee information in one convenient place
    • Retain funds until paper drafts are presented for payment
  • Requires enrollment in Online & Mobile Banking
  • Payments are electronic:
    • Faster delivery than paper checks
    • No additional fee to use bill pay for consumers

For more information, refer to the Bill Pay Agreement

Mobile Deposit3

Must use EZ Banking Mobile App for this feature.

  • Deposit your check with a few taps of your finger:
    • Enter the check amount
    • Take a picture of the front and back of your check, following the on-screen instructions (make sure you sign it)
    • Select the account into which you want to make the deposit
    • Verify that everything on the screen is correct, then submit it
    • We'll confirm that the check has been received
  • Save time, avoid unnecessary trips to a branch

Important: When you endorse your check for mobile deposit, please also write "For Mobile Deposit Only at F&M Bank.”

For more information, refer to theEasy Mobile Check Deposit Agreement

Keep up-to-date on your accounts and activate today:

  1. Select the type of alerts: Balance and/or Transaction
  2. Get notified by:
    • Email
    • Text Message
    • In-app Message (when you login to Online & Mobile Banking)

Online & Mobile Banking will automatically send you an alert when:

  • Your account reaches a specific low or high balance (you specify the amount)
  • A credit or debit transaction is made over a pre-determined amount

Sign Up is Easy

After you login to Online & Mobile Banking, click on the account you would like to set alerts for, then "Alert Preferences". Next, set up when you want to receive an alert (i.e. Low Balance), and how you want to receive the alert (i.e. Email Message). It's that easy!

  • Save paper and save the environment
  • Fast, free, and easy alternative to paper statements
  • Easier to retrieve info when needed
  • Eliminate a paper trail
  • Reduce chances of fraud and identity theft
  • Arrive faster than paper statements
  • Simplify recordkeeping
  • Easily access past statements
  • Ability to download for permanent storage or print if needed
  • Receive email notice when new eStatement is ready

Enroll in eStatements

  1. Before you enroll, login to Online & Mobile Banking or contact us below to verify your email address on file with F&M Bank is correct.
  2. Enroll in eStatements in 2 ways:
    • EZ Banking Mobile App, go to the triple bar menu on the top-left and select “eStatements”
    • Computer or tablet, select “eStatements” from the sidebar menu.
  3. You will then be prompted to read through thedisclosure, select available accounts for enrollment and a welcome screen will complete the switch.

    Your next regularly scheduled deposit account statement will be generated electronically and you will be notified by email when it’s ready.

Need to update your email?

This can be changed via a few options below:

  1. While logged in, send us a secure message to update your email address
  2. Contact our Call Center: 800-888-1498, M-F, 8am to 6pm, PT
  3. Visit a local branch

For more information, refer to the eStatement Disclosure Agreement

1 For new users, enrollment is required. There is no fee from F&M Bank to use Online & Mobile Banking. Internet access is required, check with your mobile carrier about fees for internet data, text messaging, or other related services.

2 Fees may apply for Stop Payments, and use of Microsoft Money®, Intuit Quicken®, QuickBooks®, and others. Restrictions may apply. For terms and conditions, account information, and a list of fees and charges that may apply, please refer to our Customer Agreement & Schedule of Charges, Books I & II.

3 Some restrictions will apply and funds from a mobile deposit are not available for immediate use. Refer to our Online & Mobile Banking End User License Agreement for more information.

This information is effective 6/1/2023 and subject to change anytime without notice.

Online & Mobile Banking | F&M Bank | Lodi, CA - Modesto, CA (2024)


What are three things needed to access your online banking and or mobile banking? ›

With online banking, you don't need to visit a branch to complete many transactions. To take advantage of online banking, you'll need an electronic device, an internet connection, and perhaps your debit card or account numbers.

Do you need online banking for mobile banking? ›

Mobile banking requires the internet to be connected to your mobile device in order to manage your finances. A mobile banking app usually allows you to access similar, (although sometimes slightly fewer), features that you would find when online banking, but it must be done on a smartphone or tablet.

How are online banking and mobile banking the same? ›

Mobile banking allows you to perform many of the same activities as online banking using a smartphone or tablet instead of a desktop computer. However, simply accessing the bank's website on a mobile device is not the only method of mobile banking.

How do I access online banking? ›

How do I log in to Online Banking?
  1. Go to Online Banking.
  2. Enter your customer number or card number and select 'Log in'.
  3. You'll be asked for three random characters from both your PIN and password. Type this then press 'Next'.
  4. If you're asked for a one-time passcode, have your mobile phone or card reader handy.

How do I start online banking with my phone? ›

To access your bank account on your phone, download your financial institution's mobile app. Then log in to the app like you'd log in on your computer.

How do I get online banking access? ›

Open your web browser on your computer and visit your bank's website. Select “online banking." Browse the homepage of your bank's website and click on the link that says “online banking." If you don't see the words "online banking" specifically, just look for the button that says "login." Register for an account.

What is the difference between phone banking and mobile banking? ›

Telebanking is when you perform banking transactions over a phone call while in mobile banking you use a software/interface on your mobile device to access your account and make a transaction.

How can I use mobile banking without internet? ›

Dial USSD code *99# on your phone's dialler and press the call button. A menu of choices will appear on your screen. To send money, choose the option "1". Enter your linked bank account number, registered phone number, or UPI ID.

Which is safer, online or mobile banking? ›

Banking apps can be safer than using an online banking portal due to biometric-enabled login options for your phone and the app itself. Your face, your fingerprint and your phone are a lot harder to hack than your username and password.

What is better online banking or mobile banking? ›

Range of transactions

In general, online banking offers a broader range of services than mobile banking. Mobile banking apps enable users to conduct essential transactions such as checking balances, viewing transaction history, transferring funds, and chatting with support.

Which is better mobile banking or online banking? ›

The biggest difference between the two is their functionality. Internet Banking allows you to conduct online transactions through your PC or laptop and an internet connection. On the other hand, mobile banking can be done with or without internet. Many banks nowadays have their mobile apps for mobile banking.

Is online banking safe? ›

Online banking is generally safe and not easy to hack — as long as you take the right steps to protect your information. This means setting up strong passwords and changing them frequently, and using additional tools like two-factor authentication to give yourself an extra layer of protection.

Why can't I get into my online banking? ›

Make sure you have cleared temporary internet files and cookies and your browser has extensions and add-ons disabled. If needed, also try restarting your device and router, and try a wired connection.

Do I have to use online banking? ›

Although many accounts are only available online or via an app, you'll still find lots of options that allow you to open and manage in a branch, via a Post Office, by post and by phone. With these accounts, online and mobile banking are optional – so you can simply choose not to register.

Does online banking show your account number? ›

Navigate to your bank's website on a computer or open up their mobile app on your phone or tablet. Sign in and click on the tab to view a summary of your account. Usually, the account number will be listed on this page. If it's not, search through the website or use the “Help” function to find it.

What is required for mobile banking? ›

Debit card: Enter the debit card number, expiry date, and ATM Pin. OTP-based registration: Enter your mobile number registered with the bank, and the OTP will be sent to you via SMS for registration.

What is needed for online banking? ›

Internet Requirement: An uninterrupted internet connection is a foremost requirement to use internet banking services. If you do not have access to the internet, you cannot make use of any facilities offered online.

What are 3 tasks you can complete using either online or mobile banking? ›

Using online or mobile banking, you can perform tasks such as checking account balances, transferring funds between accounts, paying bills, and accessing account statements.

What are three ways to use online banking? ›

Online banking from a computer allows you to: access your accounts. make future-dated bill payments. transfer funds between accounts.


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