Smart Choice Banking.
F&M has been proud to serve our customers and the communities we call home since 1906. We have always believed that the best financial partner is one that invests in its communities, grows alongside our neighbors, and continues to evolve to deliver exceptional service and care.
On January 1, 2026, F&M Bank and Volunteer Bank officially unified under one charter as Lawrence Bank—bringing together our shared strengths to better serve the communities we call home. While each bank continues to operate under its trusted name and brand, this alignment reflects years of shared ownership and a long-standing commitment to relationship-focused banking and meaningful community impact.
As part of that commitment, we are pleased to bring you an upgraded system—designed to provide greater convenience, enhanced security, and improved efficiency. This upgrade is enabled by our systems integration with Volunteer—delivering expanded branch access and a more connected, flexible banking experience, so you can bank seamlessly at any F&M or Volunteer branch location.
We are dedicated to making this transition as smooth as possible. The information provided here, along with the accompanying guide, will walk you through what to expect, and our team remains ready to assist you at every step.
Together, we are building on decades of service—with even greater strength and opportunity for the future.
F&M, a Lawrence Bank
Expanded Branch Network
Enjoy seamless access to an expanded branch network across nine Middle Tennessee counties—delivering more locations and the flexibility to bank where and when it works best for you.
Upgraded Online Digital Banking Experience
A more intuitive, secure, and feature-rich platform with easier navigation, improved user interface, faster performance, and enhanced security in a seamless desktop-to-mobile experience.
Enhanced Business Banking
Advanced cash management
tools, detailed transaction and
account reporting, streamlined payment processing, and enhanced
fraud detection.
New Mobile Banking App
One unified mobile app for consumer and business, featuring mobile check deposit, alerts to keep you informed of account activity, easy fund transfers, plus Zelle® for sending and receiving money.
Here's What You Should Know
Our Systems Upgrade will begin on Friday, June 5, with full functionality restored by Monday, June 8. During this brief window, some services will be temporarily unavailable. Rest assured, we're taking every step to minimize disruptions. For detailed information on key dates, click here or download the complete digital guide below.
View the Full Systems Upgrade Guide Here
Important Update for QuickBooks and Quicken Users 
Business customers who use these services are encouraged to plan ahead and ensure they have access to any information they may need during this time. We appreciate your understanding as we complete this upgrade to enhance system performance and security.
Treasury Management Services Information
ACH Origination
What You Need to Know:- Starting June 8, ACH functionality will be located under the “Business Banking” tab at the top of the Online Banking home screen. If you do not see this tab, please contact us at opstreasury@myfmbank.com.
- After submitting an ACH file, you will no longer be required to confirm your ACH file(s) with your Personal Identification Number and Security Key. Soft tokens will also be disabled and no longer needed. Instead, you will be prompted with a Secure Access Code (SAC) requirement before the file is submitted.
- To ensure a smooth login to the new system, before June 5, 2026, please contact any F&M Branch and verify that your contact information is accurate; particularly your cell phone number and email address.
- ACH files with an effective (funding) date after Monday, June 8 will no longer be accepted through the current Online Banking platform.
- Beginning at 8:00 a.m. on Monday, June 8, you may begin submitting ACH files using the new F&M Bank online platform, with effective (funding) dates beginning Tuesday, June 9.
- ACH detail (batch line item) history within the ACH module/tab will not be available after the upgrade. Your transaction history will transition but the details of the ACH transactions will not.
- If you need the ACH detailed transaction history, please download and save this information prior to June 5, 2026. To do so, login to Business Online, select the ACH function, then select the Activity tab. Scroll to the bottom of the screen and select “All ACH Activity”, scroll back up and select the Report button (right side of the Activity menu bar). Check the Transactions box, select the report format, then select the report download button.
- ACH templates will transition with the systems upgrade. As a backup, you are able to download the ACH templates to .pdf or .csv. Select the Templates tab, select the Report button (right side of the Templates menu bar). Select the report you want to download and save.
- If you have a recurring ACH set up, regardless if it is a template or not, you will need to re-establish the recurrence of the transaction following the upgrade.
Positive Pay
What You Need to Know:- Starting June 8, Positive Pay will be located under the “Business Banking” tab at the top of your Online Banking home screen. If you do not see this tab, please contact us at opstreasury@myfmbank.com.
- Within the enhancements, we are adding an additional layer of protection to Positive Pay and will require the Payee Name to be included in the Check Issue file that you upload to online banking. Check Number, Check Amount and Check Date will continue to be required fields.
- As part of the upgrade, we are working to map your check issue file to the new online banking platform. If your check issue file already includes the Payee Name, you may still use your current file. If your check issue file does not include the Payee Name, we will be reaching out to you directly to walk through the additional required information. At the conclusion of that discussion, we will ask for a sample check issue file so that we can complete the mapping process.
- Positive Pay check issue detail and exception detail will not be available after the conversion.
- To ensure a smooth login to the new system, before June 5, 2026, please contact any F&M Branch and verify that your contact information is accurate; particularly your cell phone number and email address.
Remote Deposit Capture (RDC)
What You Need to Know:- Starting June 8, RDC functionality will be located under the “Business Banking” tab at the top of your Online Banking home screen. If you do not see this tab, please contact us at opstreasury@myfmbank.com.
- For convenience, there will not be a separate login to access RDC. You will have a Single Sign On (SSO) link within online banking.
- To ensure a smooth login to the new system, before June 5, 2026, please contact any F&M Branch and verify that your contact information is accurate; particularly your cell phone number and email address.
- RDC detail history within the RDC module/tab will not be available after the upgrade. While your overall transaction history will transition, the detailed RDC records will not. If you need your RDC detailed transaction history, please download and save this information prior to June 5, 2026. Instructions are as follows:
- Select Reports then select the Search dropdown.
- Filter by date (45 days max history)
- Capture Status - Select Delivered then select Search.
- Select to export as PDF, CSV Report or Deposit Detail Report. We recommend viewing each export to determine which one best meets your needs.
- Select Reports then select the Search dropdown.
- Select Save reports
- Starting June 8, you will be on the new, upgraded system to deposit your checks. The check deposit process will be the same as before.
Wire Origination
What You Need to Know:- Starting June 8, wire functionality will be located under the “Business Banking” tab at the top of your Online Banking home screen. If you do not see this tab, please contact us at opstreasury@myfmbank.com.
- To streamline the wire process, F&M will no longer be performing a call back to confirm Personal Identification Numbers (PINs). Instead, you will be prompted with a Secure Access Code (SAC) requirement before the wire is submitted.
- To ensure a smooth login to the new system, before June 5, 2026, please contact any F&M Branch and verify that your contact information is accurate; particularly your cell phone number and email address.
- Wire details will not be available after the upgrade. Your transaction history will transition but the details of the wire transactions will not.
- If you need the detailed wire transaction history, please export and save this information prior to June 5, 2026. To do so, login to Business Online, select the Wire function, then select the “Inquire Wire Transfer” option (click submit).
- A list of the wires you have submitted will be provided. Click the export button located on the list menu bar (top right side of the bar). A .csv fill will be provided for you to download and save.
- Wire templates will transition with the systems upgrade. As a backup, you are able to export, download and save your wire templates.
- If you have a recurring wire set up— regardless if it is a template or not— you will need to re-establish the recurrence of the transaction.