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Welcome to our F&M Mobile Banking Suite.  

Manage your accounts effortlessly and efficiently, in the palm of your hand!  Mobile banking allows you to enjoy secure, easy, and convenient access your F&M accounts.

Our Mobile app, allows you to complete all of the traditional Online Banking tasks - view current account balances, transfer funds, make loan payments, and view recent transactions, PLUS additional features:

  • Pay your bills with Free Bill Pay
  • Deposit checks with Free Mobile Remote Deposit Capture - Deposits can be submitted 24 hours a day, 7 days a week right through our Mobile App.  The funds will appear in your account by 6:00 pm the following business day. 
  • Easily pay friends and family members with Free Person to Person payments - From the app, select Bill Payment, then add a payee as a "P2P Payee" and follow the prompts. 

Mobile App

To enroll today, download our app by searching for "F&M Bank Tomah" from the Google Play store (for Android devices) or the App Store (for Apple devices).  Or click on the appropriate buttons below. Once the app is installed, tap on the F&M Bank icon, and tap on "New Mobile User" to go through the easy registration steps. 


For more details or for questions

contact us today! 

Mobile Banking FAQs

What does it cost?

We do not charge for our mobile banking service.  (Your mobile carrier may charge for internet access - check with your mobile carrier for details.)

Which mobile devices are supported?

iPhone™ or Android smartphones.

How do I enroll?

First, you must have an account with F&M Bank.  Second, download the app and click on "New Mobile User" and follow the process. 

Is Mobile Banking safe?

Mobile Banking uses multiple layers of security to protect your personal informative including encryption of offline storage.  Once downloaded, Mobile Banking uses a User ID and Password to access the App.  All data placed into local storage on the smartphone is encrypted for additional security.  

Can someone intercept my Mobile Banking transactions?

Your information is protected with 128-bit SSL encryption as it travels from your smartphone to the bank.  The 128-bit SSL encryption technology is the same encryption used to protect Internet traffic for secure webpage applications.

Can Mobile Banking be accessed without a Password?

No.  For security reasons, Mobile Banking requires you to enter your Online Banking Password with every login. For easier login, you are able to set a PIN login, just go to settings, once you are logged in.  

Do I need Online Banking to use the App?

No.  Online banking is not required to use the App.  Bill pay can be accessed through the App; however, payees must be set up through online banking.  

How do I protect myself when using my smartphone?

Here are some simple things you can do:
  • Lock your screen with a password. This is a simple step and it does provide an extra layer of security if your smartphone is lost or stolen.
  • Install and/or enable remote services. Most major smartphone operating systems (iOS, Android, Windows Mobile) can be enabled with some or all of these features: remote lock, remote wipe, and even GPS location (for finding where your smartphone if lost/stolen) are available in many cases. (If not available on the smartphone, Apps are available for these services. Contact your mobile carrier for details.)
  • Use Mobile Antivirus/Anti-malware services. 

Can safely recycle or dispose of my device if it has Mobile Banking on it? 

Yes. Generally accepted security practices indicate all mobile devices should be “wiped” before they are disposed of or recycled. Check with your device manufacturer or carrier for procedures specific to your device.

Which accounts can I make transfers to with the Mobile Banking App ? 
You can transfer between savings to savings, checking to checking, savings to checking, checking to savings, savings and checking to a loan, and HELOC to savings and checking.  You may not transfer from or to an IRA or a Certificate of Deposit. 

How do I know if a transfer was made using the Mobile App? 

The transaction history will identify each transfer made within the App by using the title "Mobil Transfer."  There is also an option for you to provide an additional description for each transfer made via the mobile app.  

Can I establish a recurring transfer in the Mobile App?

While you cannot set up a recurring transfer, you can set a transfer to take place at a future date.  Recurring transfers may be set up through online banking.  

What is Mobile RDC?

Mobile Remote Deposit Capture (MRDC) is a secure online service that allows you to take a picture of paper checks with your mobile device and electronically send the check images for deposits to banks.  

When am I able to submit my deposits? 

Deposits can be submitted 24 hours a day, 7 days a week.  The funds will appear in your account by 6:00 pm the following business day. 

How many checks can I include in one deposit?

You must deposit one check at a time. 

How long should I retain the original checks? 

Securely store each original check for a period of 14 days after the deposit has been credited to your account. Within those 14 days, take the following appropriate security measures:

  • The information contained on the check(s) is not to be disclosed to outside parties.  
  • The check(s) should not be duplicated or scanned more than one time.
  • No deposit or attempt to deposit should be made over the counter or by other means.
  • After 14 days and verifying the deposit into your account, destroy the original check.

What kind of checks can be processed through the Mobile RDC?

The following types of checks payable in U.S. dollars and drawn on any U.S. bank, including but not limited to the following, may be deposited via Mobile RDC:

  • Personal Checks
  • Money Orders
  • Certified Checks

To which accounts can I make a deposit with the mobile banking App?


You can make a remote deposit to a primary savings account or a checking account. You cannot use remote deposit to make a loan payment, deposit to an IRA, or to a certificate of deposit.

I can’t take a clear picture of a check for submission. Why not?

Smartphones with a low megapixel camera may not be able to take a clear picture of the check.

What would cause a deposit to be rejected.
A mobile deposit item will be rejected if (including but not limited to):

  •  The item is a duplicate within the App
  • Four corners of the check cannot be detected
  • Two images of the same side of the check are submitted instead of one image of the front and one image of the back
  • Either of the check images are out of focus
  • The view angle of the check is too excessive
  • MICR line data cannot be recognized by the system
  • The amount of the deposit entered by user does not match the numeric amount on the image of the front of the check
  • The endorsement signature on the back is missing