Main - 706.485.9941 ~ Lake Oconee - 706.485.9858

Online & Mobile Banking

Banking at your Fingertips

Beginning on Wednesday, October 5th, a new security feature regarding logging into your online banking will take effect. You will need to verify your phone number and receive a security code via text message or phone call to log in.

Please make sure that you have the correct phone number on file with us so you that you will not have any issues logging in. You can do so by calling us at (706) 485-9941.

Thank you for trusting us with your financial security.

Online and Mobile Banking lets you have instant access to a broad range of banking services. We offer Online Banking, Mobile Banking, Bill Pay, Mobile Deposit, Card Valet and E-Statements all at no charge to you!  You’ll know when a direct deposit has arrived or when a check has cleared your account. You won’t have to retain countless amounts of information or panic when you forget to write down a debit card transaction. Transactions will automatically appear on your computer monitor or on your mobile app. You can effortlessly deposit a check, transfer funds between your accounts, obtain check images, transaction history and pay your bills. You can even export transaction data into your favorite personal financial management software with a few clicks of the mouse.  Sign up today!

Mobile Deposit is here!

A picture perfect moment
How Do I Sign Up for Internet Banking?
Click the above “Enroll” image.

Complete the enrollment form using the prompts provided.  Additional verification will then be needed.  You will be asked 4 verification questions to confirm your identity.  Once you pass the identity verification you will be asked to create a username and password for your online banking profile.  You will then create 3 security questions that you will need future verification use.

You are now signed up for Online Banking!  Please accept our terms and conditions and you will continue into our Online Banking site where you can begin handling your accounts online.  For any additional questions please contact the Customer Service at 706-485-9941.

How Do I Sign Up for Mobile Banking?
You must be currently enrolled in our Online Banking in order to sign up for Mobile Banking.

Go to your mobile device’s “App Store” and search for Farmers and Merchants Bank Eatonton.  More than likely you will get several “Farmers and Merchants Banks” in your search results.  Scroll through the list until you see our logo (green column with FMB).  This is a FREE app so all you will need to is download it your mobile device.

Once the app is installed onto your mobile device log into it by using your current Online Banking username and password.  Next you will be asked one of the security questions you set up while enrolling into Online Banking to verify your identity.  If you answer the question correctly it will successfully enroll you into Mobile Banking and you can begin handling your accounts through your mobile device.

How do I use Mobile Deposit?
You must currently be enrolled in our Mobile Banking before you can use the Mobile Deposit feature.

Log into your FMB Mobile Banking App. At the bottom of your screen you will see a “Deposit” tab.  You will then have the option to “Deposit Check”. Choose which account you would like to deposit the check into, enter the amount of the deposit and then simply take a picture of BOTH the front and the back of the check.  Prior to taking the picture of the back of your check you will need to be sure to do TWO things.  1- Endorse the check with your signature    2- Under your signature print “FMB MOBILE DEPOSIT ONLY”

If you do not have BOTH of these items on the back of your check it will NOT be deposited.  Follow the remaining prompts to complete your mobile deposit.  If you have any questions, please feel free to call our eBanking department at (706) 485-9941.

*Our app is free, but standard rates and fees may apply from your wireless carrier.  Deposits limited to $2,500.00 daily per customer.  


How Do I Sign Up for eStatements?
You must be currently enrolled in our Online Banking in order to sign up for eStatements.

Log into your online banking account.  Once you are in your online banking account go the “Profile” tab located to the top right on your menu bar and select “Electronic Statements” and click edit.  A drop down menu will appear with a list of all of your online banking accounts.  Select the accounts that you would like to receive eStatements on by selecting the electronic radio button.  You will then select the “Electronic Statements Terms and Conditions” hyperlink, scroll to the bottom of the terms and conditions and you will receive a 4 digit verification code. You will need this code to complete enrollment.   Close the terms and conditions window and check the box signifying that you have read and accepted the terms, enter the code into the confirmation code box and click save.

If you signed up for eStatements and now wish to cancel this service please call FMB at (706) 485-9941 and we will be happy to discontinue eStatements for you.

How Do I Enroll in Bill Pay?
You must be currently enrolled in our Online Banking in order to sign up for Bill Pay.  Log into your online banking account.  Once you are in your online banking account select the “Bill Payment” tab located in the primary navigation bar.  You will be directed to read and accept our online banking and bill payment terms and conditions and privacy policy.  After accepting the agreement you are officially signed up for Bill Pay and can begin paying your bills online.

If you have any questions regarding your Bill Pay account please call our Bill Pay Customer Service at 1-844-298-6452 between the hours of 7am – 1am (7 days a week).

Helpful Links:

Main Branch

Main Branch

Downtown Eatonton

100 S. Madison Avenue
Eatonton, Ga. 31024
(706) 485-9941

Monday & Tuesday:  9am to 5pm
Wednesday:  9am to 1pm
Thursday & Friday:  9am to 5pm
Saturday (Drive-Thru only):  8:30am to 12:30pm
Drive-Thru Opens Daily 8:30am

Lake Oconee Branch

Lake Oconee Branch

Harmony Crossing

1011 Lake Oconee Parkway
Eatonton, Ga. 31024
(706) 485-9858

Monday - Friday:  9am to 5pm
Saturday (Drive-Thru only):  8:30am to 12:30pm
Drive-Thru Opens Daily 8:30am

Electronic Banking

Electronic Banking

Bank on YOUR Schedule...Not Ours!

FMB offers convenient online & mobile services:

  • Online Banking
  • Mobile Banking
  • Mobile Deposit
  • Card Hub
  • eStatements
  • Bill Pay
  • 24/7 Deposit ATMs

NOTICE:  FMB is not responsible for and has no control over the subject matter, content, information or graphics of the websites that have links here.