F&M Mobile Deposit

Make Deposits Anytime, Anywhere, with F&M Mobile Deposit

F&M Mobile Deposit allows you to deposit checks directly into your accounts by simply snapping a photo of the check with your smart phone.

Please Follow These Guidelines When Submitting a Mobile Deposit

Endorse and write 'F&M Mobile Deposit' on the back of the check. If available, check the box indicating for mobile/remote deposit. Deposits that are not endorsed with F&M Mobile Deposit will be rejected.
Log into F&M Mobile banking and select 'Deposit' at the bottom of the screen
Select the account in which you would like to deposit.

Input the check amount
Center your check within the four corner indicators of the capture window
Take a picture
Repeat for the back of your check

If your deposit is rejected, try retaking a picture of the front and back of the check and resubmit.
If your images are approved, your deposit will be pending and you will receive a green checkmark.
Mobile Deposits Must be Made by 4:00 pm CST

F&M Reviews all Pending Deposits

When your deposit is accepted, it will show as a pending transaction and will be posted the next business day.
If your deposit is rejected, F&M will notify you.

F&M Mobile Deposit Limits

$5,000 item limit
$5,000 daily limit
Other limits may apply

Non-Eligible Checks

2 party checks are not allowed; checks made payable to others (even if endorsed over to you)
Demand drafts or remotely created checks (i.e. checks lacking the original signature of the person authorizing the check)
Substitute checks (i.e. paper checks created from an electronic image)
Checks or items containing obvious alteration to any of the fields on the front of the check or authorized by the owner of the account on which the check or item is drawn or are irregular in any way (i.e. where the numerical and written amounts are different)

Checks that have been previously returned unpaid for any reason
Checks that are postdated or more than six months old
Checks drawn on a foreign financial institution or payable in foreign currency
Checks you suspect may be fraudulent or not properly authorized
Checks that exceed the maximum daily limit set forth above
Checks which are otherwise not acceptable under the terms of your account

Hours of Operation and Processing Cut-Off Hours

The service can be utilized by you 24 hours a day, seven days a week, except when the service is unavailable due to needed maintenance or system outages. F&M State Bank is not responsible for the unavailability of the service or any damages that may result from its unavailability.

Images of eligible checks and associated deposit information received for processing by F&M State Bank before 4:00 pm CST, on a business day will be processed on that business day. Images of eligible checks and associated deposit information received for processing by F&M Bank after 4:00 pm CST on a business day or on a Saturday, Sunday, or bank holiday, will be processed on the next business day.

Availability of Funds

Our policy is to make funds from your mobile deposit available to you on the first business day after the day we receive your deposit. Once they are available, you can withdraw the funds in cash and we will use the funds to pay checks that you have written.

Longer Delays May Apply

In some cases, we will not make all of the funds that you deposit by check available to you on the first business day after the day of your deposit. Depending on the type of the check you deposit, funds may not be available to you on the first business day after the day of your deposit. Depending on the type of the check you deposit, funds may not be available until the second business day after the day of your deposit. However, the first $225 of your deposits may be available on the first business day.