E Sign Act

Please read this information carefully and print a copy and/or retain this information electronically for future reference.


You are submitting a request for F&M Bank’s electronic services including but not limited to online banking, telephone banking, mobile banking, and bill pay. In order to do this, we need you to consent to our giving you certain disclosures and E-statements electronically. This document informs you of your rights when receiving legally required disclosures, notices, E-statements, and information from F&M Bank. By completing and submitting this request to us, you acknowledge receipt of this document and consent to the electronic delivery of such disclosures and E-statements. All agreements with F&M Bank are subject to the terms and conditions stated below.

Electronic Communications

Any disclosures and/or E-statements related to your request will be provided to you through www.fmbanknow.com. However, if you wish to obtain a paper copy of any of the disclosures, you may write to us at:
F&M Bank

P O Box 280
Washington, GA 30673

Paper copies of disclosures will be provided at no charge. Copies of statements are $5.00 per statement with images and $2.00 per statement text only. In some cases, a research fee of $20 an hour may be assessed.

Scope Of Consent

Your consent to receive disclosures, E-statements and to do business electronically, and our agreement to do so, only applies to this and all future requests for electronic services.

Hardware And Software Requirements

OS and browsers not supported may be used; however, they may prevent you from accessing an application or cause some features to function improperly. For maximum security and optimal usability, we recommend using the latest supported versions of OS and browsers to ensure you can continue to access Online Banking. To access and retain the disclosures and E-statements electronically, you will need to use the following computer software and hardware.

Online Banking OS and Browsers

Operating System / Microsoft Internet Explorer / Microsoft Edge / Safari / Google Chrome / Mozilla Firefox
Windows 7:   11.0   /   N/A   /   N/A   /   68   /   61
Windows 8:   11.0   /   N/A   /   N/A   /   68   /   61
Windows 10:   11.0   /   40.0   /   N/A   /   68   /   61
Mac OS X 10.3.5 High Sierra:   N/A   /   N/A   /   11   /   68   /   61
iPad Pro (iOS 11):   N/A   /   N/A   /   11.4   /   N/A   /   N/A
Samsung Galaxy S9+ (Android 8.0 Oreo):   N/A   /   N/A   /   N/A   /   68   /   N/A
Google Pixel 2 (Android 8.0 Oreo):   N/A   /   N/A   /   N/A   /   68   /   N/A
iPhone X (iOS 11):   N/A   /   N/A   /   11.4   /   68   /   N/A
iPhone 8 (iOS 11):   N/A   /   N/A   /   11.4   /   68   /   N/A

Withdrawing Consent

You understand that you may not withdraw your consent to the disclosures and E-statements which we will provide to you with your electronic banking application. You may withdraw your consent to do further business electronically with us at no cost to you. If you decide to withdraw your consent, the legal validity and enforceability of prior electronic disclosures will not be affected.

Changes To Your Contact Information

You should keep us informed of any change in your electronic or mailing address. You may contact F&M Bank at 706-678-2187 or in writing regarding any such changes at:
F&M Bank

P O BOX 280
Washington, GA 30673

Your Ability To Access Disclosures

By completing and submitting your request, you acknowledge that you can access the electronic disclosures and E-statements in the designated formats described above.

Consent By Completing And Submitting Your Request

I/We consent to having all disclosures and E-statements provided or made available to me/us in electronic form and to doing business with F&M Bank electronically. I/We agree to the same terms that apply to a signed application or agreement, and I/We agree that submitting this consent or accepting these terms constitutes my/our signature as though same where physically signed by me/us. If there is a co-applicant or user has authorized the submission of this application. This electronic submission/consent qualifies as my/our signature for all purposes and uses whatsoever.

Disclosures and E-statements can be downloaded in Adobe Acrobat format (PDF) at www.fmbanknow.com

Mobile Privacy Disclosure

 Funds Availability Policy Disclosure