# F&M Bank (OH, IN, MI)

> Secure mobile banking app for personal online banking customers. (iPhone/iPad app by The Farmers & Merchants State Bank.)

- Source: https://appshunter.io/ios/app/f-and-m-bank-oh-in-mi/id1049863173 (this page in markdown: same URL + `.md`)
- Developer: [The Farmers & Merchants State Bank](https://appshunter.io/developer/1049863172)
- Category: Finance
- Price: Free
- Rating: 4.80/5 from 1,789 App Store ratings · 21 written reviews indexed
- Age rating: 4+
- Requires: iOS 15.0 · 119 MB
- Languages: American English
- Released: 2015-10-29
- Data updated: 2026-08-31
- Monetization: free
- User reviews in markdown: https://appshunter.io/ios/app/f-and-m-bank-oh-in-mi/id1049863173/reviews.md

## What is F&M Bank (OH, IN, MI)?

F&M is integrated in the palm of your hand with a seamless, optimized Mobile Banking solution for all 
your banking needs. The F&M Mobile Banking app is available to all F&M Personal Online Banking 
Customers.

F&M Mobile Banking is fully secure. No personal information is stored on your phone. With multiple layers 
of authentication, you will not have to worry about the wrong people getting your information. Using the 
screen lock on your phone is still recommended.

To get started, download, and launch the free app. Sign in with your F&M Bank Online Banking user ID 
and password. That’s all you need to integrate F&M in the palm of your hand!

Available Features Include:

− Accounts

Check your account balance and search recent transactions by date, amount, or check number.

− My Cards

Manage your F&M debit card.

− Transfer Funds

Easily transfer cash between your F&M accounts.

− Check Deposit

Deposit a check into your F&M account from anywhere.

− Pay bills

Easily pay bills anytime on the fly.

− Locations

Search ATM and Office locations by current location or zip code.

To learn how we protect your privacy, please https://www.fm.bank/privacy-policy/

Your mobile carrier’s text messaging and web access charges may apply. Member FDIC.

## Key features

- Check account balances and transactions
- Manage debit card
- Transfer funds between accounts
- Deposit checks remotely
- Pay bills
- Find ATM and office locations

## What do users think of F&M Bank (OH, IN, MI)?

Overall sentiment: negative

**Pros**

- 👍 Easy to use
- 💡 Convenient mobile check deposit
- 🚀 Smooth functionality

**Cons**

- 🐛 Frequent crashes and bugs
- 🔒 Poor account access and security
- 💤 Lack of customer support

**Commonly reported bugs**

- Login issues and account access problems
- App crashing and freezing
- Incompatibility with certain devices

**Most requested features**

- Sleeker app design
- Option to access routing and account numbers
- Support for older devices

## Recent user reviews (10 of 21)

All indexed reviews: https://appshunter.io/ios/app/f-and-m-bank-oh-in-mi/id1049863173/reviews.md

### 1/5 — Buggy

*2026-05-28, version 25.2.100*

This app is extremely buggy. It used to be about once a month where the app would glitch and have server errors where I couldn’t login to my account. It has now gotten to the point where it happens more days in the week than not. So being able to check my balance and doing any internal transfers is a rarity and has become a surprise when it does work. The app itself is great, just I can never get in.

### 5/5 — No mess

*2026-02-04, version 25.1.70*

I really enjoyed being a participant in this Bank company. I have never had any issues if there was trouble that came up I have been able to go to the branch and take care of the issue at hand. Online is just as easy. The people are very friendly and very helpful.

### 1/5 — Worst banking app ever

*2026-01-06, version 25.1.70*

Most times I get an error message when trying to login.  One of my accounts I’ve never been able to access the account and tech support has no idea.

### 5/5 — Chris Demetriades sales associate Don Ayres Honda

*2025-07-01, version 25.1.30*

Corresponding is always pleasant, love Lima Road location. I Hope is stays . It always seems so quiet .

### 1/5 — Horrible App

*2025-05-22, version 24.2.60*

One of the worst apps ever created. Facts: customer support is nonexistent (extremely limited hours), app is very buggy, account verification is bugged (wont link with Robinhood), it doesn’t save your info, password resets don’t send emails until after they have expired, etc. Planning on moving out of F&M bc of their consistent app hellscape. Will be out by EOY

### 1/5 — ..

*2024-11-01, version 24.1.70*

So the app is nice to have but why do I keep getting logged out and then it doesn’t let me back in at all, so then I call the number and I get put on hold. But no one answers the phone every time and then I go to leave a voicemail and it hangs up on me, the app alone is making want to close my account beucase I can’t even see how much money is in my account 90% of the time.

### 2/5 — Buggy

*2024-01-07, version 23.1.70*

Honestly, when it’s working, the app is ok. However, it stops working every few months and there seems to be no fix outside of calling during business hours to have it fixed from tech supports end. It’s pretty irritating and it always seems to crash at the most inconvenient times, which is the weekends or evenings, when there isn’t anyone available. Smh.

### 5/5 — Susan Neiswander

*2023-09-25, version 23.1.70*

Very easy to use!!

### 4/5 — Password

*2023-09-23, version 23.1.70*

Why has my Face ID been disabled?

### 1/5 — Horrible App

*2023-07-25, version 22.2.212*

This app consistently crashes and it is not helpful when you need to make transfers or know your balance. Please do better.

## Frequently asked questions about F&M Bank (OH, IN, MI)

### What can I do with the F&M Bank mobile app?

The app allows you to check account balances and search recent transactions, manage your F&M debit card, transfer funds between your F&M accounts, deposit checks remotely, pay bills, and find ATM and office locations.

### Is the F&M Bank mobile app secure?

Yes, the app is fully secure with multiple layers of authentication. No personal information is stored on your phone, and it is recommended to still use your phone's screen lock for added security.

### How do I get started with the F&M Bank mobile app?

To get started, download and launch the free app. Then, sign in using your F&M Bank Online Banking user ID and password. This will integrate F&M banking into your mobile device.

### Is the F&M Bank mobile app free to use?

Yes, the app is free to download and use. However, your mobile carrier's text messaging and web access charges may apply.

### What devices is the F&M Bank mobile app compatible with?

The description does not specify exact device compatibility, but it is designed as a mobile banking solution for F&M Personal Online Banking Customers. It is available for download and launch, implying compatibility with standard smartphones.

## Version history (last 5 releases)

### 25.2.100 — 2026-02-11

We are continually releasing new updates to further improve your mobile banking experience. This version includes user interface improvements, security updates and bug fixes.  Please be sure to turn on automatic updates to make sure that your app is always up to date.

### 25.1.70 — 2025-12-08

We are continually releasing new updates to further improve your mobile banking experience. This version includes user interface improvements, security updates and bug fixes.  Please be sure to turn on automatic updates to make sure that your app is always up to date.

### 25.1.33 — 2025-08-14

We are continually releasing new updates to further improve your mobile banking experience. This version includes user interface improvements, security updates and bug fixes. Please be sure to turn on automatic updates to make sure that your app is always up to date.

### 25.1.32 — 2025-08-13

We are continually releasing new updates to further improve your mobile banking experience. This version includes user interface improvements, security updates and bug fixes. Please be sure to turn on automatic updates to make sure that your app is always up to date.

### 25.1.30 — 2025-06-25

We are continually releasing new updates to further improve your mobile banking experience. This version includes user interface improvements, security updates and bug fixes.  Please be sure to turn on automatic updates to make sure that your app is always up to date.

## Apps similar to F&M Bank (OH, IN, MI)

| App | Rating | Price | Category |
| --- | --- | --- | --- |
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## More apps by The Farmers & Merchants State Bank

- [F&M Bank Business (OH, IN, MI)](https://appshunter.io/ios/app/f-and-m-bank-business-oh-in-mi/id1184473320)
- [The Bundler by F&M Bank](https://appshunter.io/ios/app/the-bundler-by-f-and-m-bank/id6571353559)

All apps by The Farmers & Merchants State Bank: https://appshunter.io/developer/1049863172

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*Data collected daily from the US App Store and indexed by [AppsHunter](https://appshunter.io/). User reviews are verbatim App Store reviews. Ratings, prices and chart positions refresh continuously; this snapshot is from 2026-08-31.*