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Business Online Banking

When running your own business, it's great to be able to bank when you need, wherever you need, on your terms! With online banking, the hours you need banking services are the hours available to use.


Business Online Banking and Bill Pay

By using online banking, you can transform your company computers or mobile devices into mobile offices of F&M Bank. As long as you have internet through wired or WiFi, you will have full-service access to your account information in a completely secure environment. Within your office, you will be able to do everything from reviewing your balances and interest rate, transferring funds, cashing checks, researching transaction information, to reviewing your corporate cash handling. Your small business bank account is accessible through your internet browser or our mobile apps.

Treasury Management Agreement

Online Banking and Bill Pay Services

With online access, you’re just a click away from managing all of your accounts. Whether it’s paying your bills, managing your cash or checking loan balances, our Business Online Banking service allows you to do your business banking more quickly and efficiently. You won't need to wonder about your cash flow or worry about your current account balance.

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 Services — Automate outgoing payments ... or receive incoming payments from customers electronically.
  • 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.

To enroll in Business Online Banking, visit your local branch.

To make the most of our products and services at F&M Bank. Contact one of our branches if you have any questions about online banking, merchant services, or other eServices.

Best Practices – Online and PC Security Tips

Business Bill Pay Agreement  

Business Mobile Banking

F&M Bank makes it easy for you to do banking for your small business! With our mobile app, you will have access to your business account any time you need it. F&M MobileBiz! offers the convenience of banking on YOUR terms.

Here are Some Great Features of Our F&M MobileBiz! App

  • Passcode Entry
  • View Account Balances and Transactions on your credit card or debit card
  • Transfer Funds between F&M Accounts
  • Deposit Checks (Mobile Deposit)
  • Connect other Financial Institution Accounts (View Balances and Transactions)
  • Pay bills digitally using your checking account routing number and account number
  • Geo-Location of F&M branch locations and all ATMs (nearest you)
  • Monitor your cash flow

To Use the F&M MobileBiz! app:

  • You must have an active F&M Business Online Banking account; and
  • Have an Apple® iPhone device with iOS 10 or above or Android™ device 5.0 or above.

Click on the download links below to get started.

Apple Pay Icon  Google Play Icon

How do I start using my app?

  1. Touch the F&M MobileBiz! app icon on your home screen.
  2. Follow the on-screen guide for entering your Business Online Banking:
    • User ID
    • Password; and
    • Correctly answering one of your Business Online Banking security questions.
  3. Next you will be asked to enter and confirm a 4-digit F&M MobileBiz! passcode.
    • Securely maintain your Passcode; it is the key that opens your F&M MobileBiz! app.
    • If you cannot remember your Passcode, reset it by selecting "Forgot?" on your F&M MobileBiz! passcode screen.
  4. After reading and accepting the F&M MobileBiz! terms, you will be set up and ready to use the F&M MobileBiz! app!
    • For Help or Information about our products and services, call 931-645-2400 or 800-645-4199 toll-free, Monday-Thursday 8:30-4:00 CST; Friday 8:30-5:30 CST or you may send a secure email message.


Business Mobile DepositF&M MobileBiz! Feature... Mobile Deposit

With the F&M MobileBiz! app, you can deposit checks with your camera enabled smartphone or tablet!

To enroll for Mobile Deposit with Our Business Mobile Banking

Simply open your F&M MobileBiz! app, select "Deposit" from the app menu then follow the on screen guide to complete and submit the enrollment form. Notification of approval will be posted on your F&M MobileBiz! app within 1-2 business days*. Upon approval, you will be ready to make your first mobile deposit.

With mobile deposit, you can put money in your account from anywhere! Simply take photos of the front of the check, and photos after you endorse the check on the back, and your deposit is processed. Ask us about the deposit limits your company qualifies for daily and weekly.


*Business days: Monday - Thursday 8:30 a.m. - 4:00 p.m. CST; Friday 8:30 a.m. - 5:30 p.m. CST


When it happens, you know.  Talk about a feeling of security.

New SecureAlerts from F&M Bank let you know the moment something important happens in your business account by instantly sending a message via text*, email, or to your Business Online Banking message center.

With SecureAlerts you’ll always know exactly what’s happening with your money, and you can watch for suspicious activity, and it's free!

Interactive Video Player

Choose from dozens of SecureAlerts.

Monitor your account activity such as:

 Icon - Cash

A purchase using your debit card was just processed.
You instantly know.

 Icon - DebitCard

An ATM withdrawal is made.
You instantly know.

 Icon - Check

A check clears that exceeds the amount you set.
You instantly know.

Delivered the way you want.

  • Text Messages - One of the easiest ways to receive SecureAlerts is through text messages*.
  • Email - Receive email messages about your account activity.
  • Business Online Banking Message Center - View your SecureAlerts every time you log in to Business Online Banking.

Set up your real time SecureAlerts.

  1. Log in to Business Online Banking. Select Alerts from the Account Services menu.
  2. Click each Category in Alert Options to view the list of available alerts.
  3. Select the Alerts you want to receive for each account. Then check how you would like to receive them, and Save.

You’ll now receive a message the moment any of your alerts are triggered. IT'S THAT EASY!

With SecureAlerts you’ll always know exactly what’s happening with your money, and you can watch for suspicious activity.

*Message and data rates may apply.

Direct Connect

We are excited to now offer Direct Connect for QuickBooks®, which gives you the power to manage your business more effectively by syncing account information directly. Direct Connect is faster, more accurate, and more reliable when trying to sync your business financials.

Direct Connect Services

Connecting your small business to F&M Bank Direct Connect will allow you to easily import transactions for debit cards, credit cards, wire transfers, and more to manage your cash flow in record time.

  • No manual data entry - Once you're set up, you can download all your transactions right into QuickBooks - instead of typing them in by hand.
  • Automatically reconcile data - Direct Connect data includes complete transaction and balance information to make categorization and account reconciliation easy.
  • No duplicate transactions - Direct Connect incorporates a special transaction-matching algorithm that prevents the download of duplicate transactions.
  • Transfer funds - Direct Connect lets you transfer funds between your F&M Bank accounts right from Intuit QuickBooks.
  • Easier to use - Direct Connect files may be automatically opened from within QuickBooks, which eliminates the need for you to search for files that have been downloaded.

You will need to modify your QuickBooks settings to ensure the smooth transition of your data. For more information, please download our step-by-step instructions found below.


QuickBooks Online

Want to connect your F&M Bank accounts to your QuickBooks Online? Follow these steps and get connected today!

  1. In the search bar, input ""
  2. Select one of the following options:
    • For Business Banking Customers, select "F and M Bank (TN) - Business Banking"
    • For Personal Online Banking Customers, select "F and M Bank (TN)"
  3. Enter your F&M Bank Online Banking credentials to complete the connection process.

QuickBooks Features

The products and services offered through this accounting platform can help you keep your business financials in order. Financial institutions are making it even easier by implementing data transferred with digital sync. You can link your checking account and other financial accounts to get an accurate view of your cash flow.

Some available features include:

  • Bill management
  • Business funding
  • Cash flow insights
  • Expense batching
  • Invoicing and payments
  • Inventory management
  • Mileage tracking
  • Payroll
  • Customized reporting
  • Tax deduction tracking


eStatements are a fast, safe and easy way for you to simplify your financial recordkeeping. eStatements are electronic versions of your paper account statements that can be delivered directly to your Business Online Banking account for free.

  • Safe - eStatements are accessed using your secure Business Online Banking login. Helping protect your important information and reduce your risk of mail fraud and identity theft.
  • Convenient - Easily access, save & print 24 months of account statements.
  • Responsible - Less paper mail is better for the environment and your carbon footprint.

Enroll in F&M Bank eStatements today!

eStatement FAQs

What is required to enroll in eStatements?

Eligible customers may enroll online for eStatements.

eStatement customers must have and/or maintain the following to be eligible for eStatements:

  • An active online banking account (Personal or Business Online Banking).
  • A correct email address.
  • A personal computer or other device capable of accessing the Internet and F&M Online Banking.
  • An Internet web browser with capabilities to support commercially reasonable encryption software.
  • Adobe Acrobat Reader version 8.0 and above. Don't have Adobe Reader?  Download here for free.

How will I know when my new statement is ready?

You will receive a notice via email when your current eStatement is available to review.

What if I change my email address?

It is important that customers maintain a correct email address with our bank.  If you change your email address, please contact Customer Service at 1.800.645.4199.*


How will I view my eStatements?

  • For consumer accounts, statements are made available via F&M Personal Online Banking.
    • Sole Proprietors (only) may access their business account eStatement via F&M Personal Online Banking.
  • For Business accounts, statements are made available via F&M Business Online Banking.
    • Customers who own business and consumer deposit accounts may access eStatements for both using F&M Business Online Banking.

At this time, eStatements are not available via F&M MobilePlus! and F&M MobileBIZ!

How long will my eStatements be available?

A rolling 24 months of eStatements are made available.

What if I need a paper copy?

You may request a paper copy of an eStatement (for pickup or mail) by contacting Customer Service at 1.800.645.4199.*

Paper statement fee is $5.00 per statement.

What if I still have more questions?

Please call Customer Service at 1.800.645.4199 or contact your local branch.*

*Customer Service Business Hours: Monday-Thursday 8:30 am – 4:00 pm CST Friday 8:30 am – 5:30 pm CST (excluding holidays)



If your business could benefit from a loan, we have various products to suit your needs.

Business Loan Options

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We are here to help.

Call us 800-645-4199

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Personalization Settings

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F&M Bank would like to personalize your banking experience. Please enter your first name below.

Please do not remind again

This level of personalization will not lead to the sale of your name or leak your identity. The information you provide will only be stored on your computer and will not be transferred to any other source.

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