We are excited to introduce a major upgrade to our online and mobile banking platform. Scheduled to launch in early October, this enhancement is the result of a year-long search to identify what we believe is the best digital banking experience available today.

The new FM BANK digital banking platform will offer many new features, including interactive budgeting and spending tools, built-in chat, and next-generation, real-time fraud detection capabilities. Whether you have a single checking account or manage the finances of a complex business or municipality, we are confident you will discover new tools and features that make banking easier, safer, and more convenient.

To bring this new experience to you, we must perform a software conversion beginning on Thursday, October 8, at 3:00 PM and ending Tuesday, October 13, at 8:00 AM. A calendar follows that includes all the key times, dates and recommendations to help you navigate through this conversion. Events and recommendations in blue are specifically for our business customers who perform functions like ACH origination, Intuit downloads, wires, positive pay, etc. Many of you can quickly pass over that information. And remember, we are only a phone call away if you need any assistance.

IMPORTANT INFORMATION

Your account numbers will not change, so there is no need to order new check blanks or other account forms.
ATM and debit cards can continue to be used without interruption.
Direct deposits and automatic payments on your account will continue without interruption.

We look forward to bringing you these new digital banking features. Thank you for your continued trust in FM BANK!

Calendar of Events and Recommendations

On or before Thursday, October 1

If you receive your statements electronically, please download or print your statements from online banking. Statements dated September 30 and earlier will not be available online after October 8 at 3:00 PM. We will retain these statements on file at the bank and statements will be available upon request.
Please make a record of your online banking scheduled and recurring transfers for post-conversion verification. Do not schedule online banking transfers to be completed for a time after 4:00 PM on Thursday, October 8, 2026.
Consumer Bill Pay: Please verify all payee payment address information is current in Bill Pay. At conversion, if the payment address does not match the address the new bill pay vendor has for the payee, the bill pay vendor may mail out a paper check rather than send an ACH payment. If the address is not up to date, the payment may not get to the payee in a timely fashion.

The current Bill Pay service will be unavailable starting at 1:00 AM on Friday October 2. Any payments already scheduled in Bill Pay for a payment date on or prior to October 7 will be made. Payments scheduled for all payment dates thereafter will not be made. Payments that need to be made (are due) on payment dates from October 8 to October 20 should be scheduled to be paid to the payee on or before October 7 or paid using an alternate payment method.

The new Bill Pay system will be available in FM BANK digital banking starting on Tuesday, October 13 at 8:00AM. All payee information and recurring payment information will be converted to the new Bill Payment system, please review the information carefully.

Business Customers: Business Bill Pay customers should make a record of all payee information and scheduled and recurring payments. Business Bill Pay customers will need to re-enroll in Business Bill Pay on or after Tuesday, October 13 at 8:00 AM.

The current Business Bill Pay service will be unavailable starting at 1:00 AM on Friday October 2. Any payments already scheduled in Bill Pay for a payment date on or prior to October 7 will be made. Payments scheduled for all payment dates thereafter will not be made. Payments that need to be made (are due) on payment dates from October 8 to October 20 should be scheduled to be paid to the payee on or before October 7 or paid outside of Bill Pay.

Friday, October 2

The current Bill Pay service will be unavailable starting at 1:00 AM.
Access to enroll in current Retail Online Banking ends at 8:00 AM.
Access to enroll in current Mobile Banking ends at 8:00 AM.
Access to enroll in current e-statements ends at 8:00 AM.
Business Customers: The current Business Bill Pay service will be unavailable starting at 1:00 AM.
Business Customers: Access to enroll in current Business Online Banking ends at 8:00 AM.

Monday, October 5 – Tuesday, October 6

No new events or recommendations.

Wednesday, October 7

Business Customers: Last day to submit Online ACH Origination files until Tuesday, October 13 at 8:00 AM.

Thursday, October 8

Mobile Deposit is not available starting at 1:00 PM.
Debit cards will be placed into standard daily amount limits beginning at 3:00 PM.
Retail Online Banking goes into view-only mode at 4:00 PM.
Mobile Banking goes into view-only mode at 4:00 PM.
Bank statements will be printed at end of day for all deposit accounts. Accrued earnings will be paid at that time and no service charges will be assessed. These statements will be mailed unless statement hold instructions are in place. You will receive a checking account statement for the remainder of October at the end of October and will continue to receive your statements at month end going forward. There is no change to when you will receive savings statements.
Business customers: Business Online Banking is not available beginning at 4:00 PM.
Business customers: Last day to submit Same-Day ACH Origination batches until Tuesday, October 13 at 8:00 AM.
Business customers: Last day to submit Merchant Capture files until Tuesday, October 13 at 8:00 AM. On Tuesday, October 13, you will be assisted by our Operations Team to get you logged into our new platform.
Business customers: Access to Intuit will be removed at 10:00 PM. Please download data from on-line banking prior to this time to ensure you retain your historical activity. It could take up to two weeks to reestablish your connection.

Friday, October 9

All locations will be open during regular hours.

Saturday, October 10

All FM BANK locations and drive-ups will be closed.

Monday, October 12 (Columbus Day)

Retail Online Banking is no longer available at 1:00 AM.
All locations will be open.

Tuesday, October 13

Debit Cards return to normal authorization mode at 8:00 AM.
FM BANK Digital Banking will be available this morning on our website at www.mybankfm.com. Your username remains the same. Your temporary password is the last 4 digits of your social security number or tax identification number. You will be prompted to change it after login. Digital Banking will send you a one-time passcode for additional security. Please accept the Terms and Conditions and re-enroll in e-statements. Verify digital recurring transfers and/or loan payments were converted correctly or set them up now. Set up new account nicknames and custom alerts.
The new FM BANK mobile app will be available this morning on the Apple App Store or the Google Play Store. Search for My BANK FM. Your username remains the same. If you have already reset your password on FM BANK Digital Banking, your password will be the same for mobile banking. If not, your temporary password is the last 4 digits of your social security number or tax identification number, and you will be prompted to change it after login. Digital Banking will send you a one-time passcode for additional security.
Consumer Bill Pay: Confirm Bill Pay scheduled and recurring payments and payees transferred correctly.
Business customers: Business Digital Banking Administrators can log onto the new platform and confirm sub-users, ACH templates and limits. You will be receiving further details on the login procedures in the coming days.
Business customers: Business Bill Pay customers can re-enroll in Business Bill Pay beginning at 8:00 AM.
Business customers: Positive Pay customers can establish new login credentials.

Questions? Contact your local FM BANK location.