Online Bill Pay

Click here to watch this online video that explains how easy online bill payment can be.

Adding Accounts

Select Acccount Information from the Bill Pay sub-menu, type in your account number, select Checking, check the box that says Select for Bill Payment and click Submit.

Please allow 2 business days before scheduling any payments. We must approve your account for use before you may pay bills online.

Self Service

• Send Email to Bill Pay Customer Service
• Change Personal Information
• Change Account Information
• Set up Email Alerts

Adding Merchants

Click the Bill Pay Tab -> Merchant Accounts -> Add Merchants

Enter the Merchant Name, Address, Phone number, and your account number with that Merchant. Click OK. It is recommended that you pay your bills 7 days in advance the first time to avoid late fees.

Scheduling Payments Quick Pay

Enter the Amount and Date for each merchant that you want to send a payment to. Click Schedule Payment. You will get a confirmation number for each payment.

Viewing History

Select Payment History under the Bill Payment Tab

History is available for 18 months. You can search by Merchant name, payment date, payment amount, or confirmation number.

Security Reminders

Please be aware that F&M Bank will never contact you asking for your bank account information. If you receive an email stating that your account has been locked or suspended and you must click on the link to re-activate or verify it: DO NOT CLICK IT! This is a phishing scam in order to obtain your username and password and your account information. Please notify us if you receive any such emails. Contact us at 573-221-6424 or email us. If you believe you may have given sensitive information over the phone or Internet, contact us immediately.

Frequently Asked Questions

I just enrolled for Bill Payment, why can’t I pay bills right away?
F&M Bank Customer Service must approve your account for Bill Pay use before you can begin paying bills.  Please allow 2 business days before you start paying bills.  In the meantime, you can begin setting up your merchant accounts.

When and how are the payments processed?
Payments submitted, recurring or one time, before 1:00 PM CST Monday-Friday will be processed at 1:00 PM CST.  Payments received after 1:00 PM CST on Monday-Thursday will be processed the next business day.  Payments received after 1:00 PM CST on Friday will be processed Monday.  OR, if Monday is a holiday, payments will be processed the following Tuesday.  Payments entered on the weekend, whether recurring or one time, will be processed on the next business day. (Either Monday Or Tuesday if Monday is a Holiday.) 

The system will not allow you to schedule a payment for a weekend or holiday.

What happens if I have a scheduled payment that falls over a weekend or holiday?
If a SCHEDULED payment falls on a holiday or weekend, it will be paid on the Friday BEFORE the weekend, or the last working day BEFORE the holiday.

Is there a way to see previous payments?
Payment history for active and deleted payees is retained and viewable for 18 months. You may search for past payments by using one or a combination of the following:

• Merchant Name
• Payment Date
• Payment Amount
• Confirmation Number

How far in advance should I set up a payment to ensure it is paid on time?
For an ELECTRONIC PAYMENT, allow 3 business days from when the payment is submitted.  For a CHECK payment, the check will be in the mail on the same day the payment is submitted if it is submitted before the 1:00 PM CST processing.  If the check payment is entered after 1:00 PM CST, the check will be mailed the following day.  Allow 5 to 7 business days for a check payment.
*please note that we have no control of the US Postal Service*

Can I have multiple payments to the same payee on the same day?
No, if you want to make more that one payment to a merchant you will need to wait until the next day to schedule the second payment.

Can I stop a payment?
Only check payments can be stopped after the check is printed and mailed, payment history will show the check number for that payment.  The stop payment would be added in the same manner as for a regular check written out of your checkbook.

Whom can I pay through Online Bill Payment?
You can pay ANYONE in the United States, from the next-door neighbor, to the utility company, to the bank, and even a child in college across the county. It is not recommended to pay another bank to which you wish to make a deposit. The following payment types are prohibited through the system:

• Tax Payment
• Court Ordered Payments
• Payment to payees outside the United States

How many payees may I have set up?
There is no limit to the number of payees you can set up through the internet.

Can I edit Payee Addresses?
Yes.  Click on Merchant Accounts, Select the Merchant, type in the new information.  Click OK.  It will ask you to verify that the new information is correct.

How do I know if a payee is electronic or check?
On the Quick Pay Screen it will tell you whether to allow 2 day or 5 day delivery for a payment:

• 2 day delivery = electronic
• 5 day delivery = check

What payment frequencies are available?
You can set up payments in any of the following frequencies:

• Weekly
• Every 2 Weeks
• Twice a Month
• Monthly
• End of Month
• Every 4 Weeks
• Every 2 Months
• Quarterly
• Every 4 Months
• Twice a Year
• Yearly

Is there a cutoff time for me to cancel or change a payment scheduled for today?
You can review, change or cancel a payment at any time.  If the payment is scheduled for that day, the change or cancellation must be before daily settlement time (1:00 PM Central Time).  The system displays an error message if you attempt to modify a payment after this deadline.

Can I postdate a single payment?
Yes.  Just set the payment date for a valid future date.

Will the memo field I fill out when setting up a payment be passed on to the merchant?
Yes, your memo will appear on the paper check bill payments.  The memo field is 40 characters long.  Any amount over the 40 characters will be cut off.  Memo field information will not appear on electronic payments.

When will the money be taken out of my account?
Funds are debited the same day that the payment is sent, providing it is sent by 1:00 PM CST.  Payments submitted at 1:00PM CST or later are debited the next day during bill pay processing.

What if do not have enough money in my account?
Payments are verified for funds availability during processing.  If the funds are available, the account that you selected for the payment will be debited and the information sent on to the vendor for processing.  If the funds are not available, the payment will not be processed and you will receive a notice to inform you that the payment could not be sent due to insufficient funds.  You will have to reschedule your payment when the funds are available in your account.