It’s Your Choice. Bank Anywhere ... Anytime!

Time is money. And with the many ExpressBanking options from F&M Bank, you can save both! ExpressBanking services give you a faster, more convenient way to access your F&M Bank accounts, transfer funds, pay bills, apply for loans and more! You can bank from home, from work, after hours or out of town ... 24 hours a day, 7 days a week!

Consumer Online Enrollment Form ▪ Express ONLINE BILL PAY ▪ ExpressPHONE BANKING ▪ ExpressATM ▪ ExpressCHECK Card ▪  Express Online Business Combined Form

Express Online Personal

Fast, Secure – And FREE!

F&M Bank’s ExpressOnline Banking is a free service that gives you instant access to your accounts, banking services and helpful financial tools. This Online Banking service is completely secure by using passwords, multifactor authentification and powerful encryption technology to keep your account information private. With Express Online Banking, you can:

• Check Balances – Monitor checking, savings, loans, line-of-credit accounts and CDs
• View Your Account History – Track deposits, withdrawals, cleared checks and transfers
• Search Your Account History – Query by check number, amount and/or date
• Transfer Funds – Move funds between your checking, savings and money market accounts
• Make Loan Payments – Transfer funds from your F&M deposit account to make your F&M loan payment
• Download Transaction History – Download your account history to personal financial software, including Quicken
• Review ATM Transactions – Have trouble keeping up with your ATM activity? No more! Click here to test drive Online Banking
• Monthly statements available electronically

Express Online Bill Pay

A Faster, Easier Way To Pay!

ExpressWeb Online Bill Pay is a convenient upgrade feature for F&M Express Online Banking. With a few simple mouse clicks and keystrokes, you can use any personal computer to pay bills or schedule recurring payments quickly and easily. That means

• Fewer checks to purchase
• Fewer checks to write
• Fewer envelopes to address
• Fewer stamps to buy!

 Bill Pay Instructions

ExpressPHONE Banking

Account Info Only A Touch Away.

Your account information is just a phone call away with ExpressPhone Banking. Using any touch-tone or cellular phone, you can call us toll-free ... 24 hours a day to:

• Review Checking, Savings And Loan Balances and Other Account Information
• Transfer Funds Between Accounts
• Make F&M Loan Payments

ExpressPHONE (Inside Montgomery County) 552-0020
(Outside Montgomery County) 1-800-295-1519

ExpressATM

F&M Bank is committed to providing safe, dependable, state of the art ATMs. Get cash and account information at any F&M ExpressATM ... and thousands of other machines nationwide displaying the VISA, MasterCard, Cirrus and Plus logos. Click here for ExpressATM locations

ExpressCHECK Card

Make a simple swipe of your F&M ExpressCHECK Card instead of writing checks or using cash... anywhere VISA is accepted.

If you’re currently using your ExpressCHECK Card for ATM cash withdrawals and deposits only, you’re missing out on the many benefits of using it for point of sale purchases!

Use Your ExpressCHECK Card Like Cash Because:

• It’s easier than writing a check
• There’s no approval process at the time of purchase
• It’s more convenient to carry than checks
• You save money by not having to reorder checks as often
• If you have “limited” paper check transactions each month ... You still have UNLIMITED ExpressCHECK Card transactions!
• You have no fee for using it at most stores.    Click Here For Fees
• Your can have a daily point of sale limit up to $1,000*
• Your daily ATM withdrawal limit is $300*

Want to Raise Your Limit ...

Planning a vacation? Looking to purchase new appliances for your home or redecorating? Ask an F&M Bank representative today about raising your daily point of sale limit or ATM withdrawl limit if applicable.

* Subject to the balance in your account plus Overdraft Privilege.

 Express Online Business Banking

You are about to transform your corporate computer into a branch office of our financial institution.  With some help from the Internet, you will have full service access to your accounts in a completely secure environment.  Within your office, you will be able to do everything from reviewing your balances to transferring funds, from requesting stop payments to reviewing your corporate cash handling.

Internet Access To Your Accounts

You’re just a click away from managing all of your F&M Business Banking accounts online. Whether it’s paying your bills, managing your cash or checking loan balances, our Express Online Business Banking service allows you to do your business banking  more quickly and efficiently.

And by using F&M Bank’s Cash Management Services, you can perform a wide variety of activities electronically:

• Pay Bills — Pay bills online electronically.
• ACH Payments — Transfer funds to any account anywhere ... anytime.
• Payroll — Credit multiple accounts at any financial institution.
• Electronic Federal Tax Payment Service — Make tax payments directly to IRS.
• FastPay Inclearings — View online customer bill payments made to your company.
• Learn More

MORE ExpressBanking Services... For Ultimate Convenience!

VISA Credit Card – Our VISA credit card offers a fast and easy way to pay. It's widely accepted around the world at millions of restaurants, stores and other locations displaying the VISA logo (application approval is required).

Direct Deposit – Why bother standing in line to cash or deposit your payroll, Social Security or retirement check? Instead, have them electronically deposited directly into your F&M Bank account so funds are immediately available for withdrawals, loan payments and other transactions.