As many of you already know, the Coronavirus and the number of reported cases in the United States is growing. We want to let you know that we are monitoring this situation closely. We believe that First Missouri Bank of SEMO is well positioned for stable business continuity during this pandemic, given that many of our mission critical banking services are virtual or web-based. We have offices in five communities to serve you. As a customer, now would be a good time to test your online banking and mobile banking passwords. Please let us know if we can assist you in any way in the coming days and weeks. 

Coronavirus Information
Payroll Protection Program, SBA Loan Program


INTERNET BANKING AGREEMENT AND DISCLOSURE

Please read our policy and Accept the terms by clicking the "Accept" link at the bottom of the page.

Online Banking Service Agreement
The following terms and conditions apply to First Missouri Bank of SEMO's online Banking and Bill Pay (“Services”). This Service Agreement also documents your consent to conduct transactions electronically and to access periodic statements.

In order to utilize the online Services, you must be an owner/signer on any deposit or loan account.

Electronic Access Consent
If you wish to access your account online, you must: 1)Contact a Customer Service Representative (CSR) at any of our locations to enroll and have Online Banking access activated and 2)have internet access. You have the right to withdraw your consent any time by canceling your enrollment in the service. Upon contacting a CSR at any of our locations, your Online Banking account would then be deleted.

We reserve the right to deliver periodic statements on paper. With our E-savings Account, no paper statements will be delivered. The requirements of this account cause you to access those documents via First Missouri Bank of SEMOs Online Banking System. You understand and acknowledge that you have the right to obtain a paper copy of your E-statement. At such time, you agree to make such request in writing to First Missouri Bank of SEMO and you acknowledge research fees, specified in our Schedule of Services, may apply upon such request.

Online Banking Functionality
Fund Transfers: You may perform unlimited transfers between transaction accounts. You may not make more than six (6) transfers per month on any savings or money market accounts. All transfers conducted prior to 5:00 p.m. CT will process on that business day.
Balance Inquiries: You may use online banking to check balances on deposit and loan accounts where you have authority as owner/signer.
Account Services: You may use online banking to view copies of checks and deposits, copies of deposit account statements, and place stop payments on checks.

Bill Pay Service Functionality
Make Payments: You may make or schedule payments as needed. There is an initial limit of $300.00 when the bill pay account is set-up. Upon completion of account verification by Fi-Serve Direct Services Corporation via debit and credit transactions, the dollar limit will be lifted. Payments can only be made to payees within the U.S. and its territory. The “Scheduled Payment Date” is the day you want your Biller to receive your bill payment and is also the day your account will be debited. If the Scheduled Payment Date falls on a non-business day, it will then be processed on the previous business day. For further explanation of Bill Pay procedures at Fi-Serve Direct Services Corporation, refer to the Bill Pay link provided on our website at www.1fnb.com.
Automatic Payments: You may set up payments to pay automatically-one time or recurring. You set up the frequency, amount, and timing of these payments. The amount is fixed and will not change unless you manually change it.
External Transfers: External transfers allow you to electronically transfer money between transaction deposit accounts at First Missouri Bank of SEMO and other institutions that are located in the United States and have a valid ABA routing number.
Payment Processing: You are responsible for having sufficient and available funds on deposit to make scheduled payments and transfers. We may or may not deduct payments or transfers from your designated account in conjunction with any of the above listed services, if that said payment/transfer creates an overdraft. You are liable for all applicable overdraft fees.

Additional Terms
You are responsible for obtaining, installing and operating all necessary hardware, software, and Internet access necessary to use these services. First Missouri Bank of SEMO is not responsible for failures from the malfunction of your hardware, software, and Internet access services. If First National Bank changes hardware or software, you may have the choice to withdraw your consent to the electronic information without a fee, condition, or consequence.

If you believe your Personal Internet Banking ID is subject to unauthorized use or that an unauthorized transaction may be or has been made from a First Missouri Bank of SEMO deposit account, contact a CSR at any one of our locations immediately.

We reserve the right to terminate any of the above Services provided to you without notice to you for any reason (except for such notice required by Law) including, without limit, if you do not comply with this Service Agreement or the agreement governing your Deposit or Loan Accounts. Termination of the Service Agreement will cancel any scheduled Transfers and or Payments. After 120 days of inactivity, your User ID may be revoked. You will need to contact a CSR at any one of our locations to have it re-activated.

  


INTERNET BANKING AGREEMENT AND DISCLOSURE

Please read our policy and Accept the terms by clicking the "Accept" link at the bottom of the page.

 

Online Banking Service Agreement
The following terms and conditions apply to First Missouri Bank of SEMO's online Banking and Bill Pay (“Services”). This Service Agreement also documents your consent to conduct transactions electronically and to access periodic statements.

In order to utilize the online Services, you must be an owner/signer on any deposit or loan account.

Electronic Access Consent
If you wish to access your account online, you must: 1)Contact a Customer Service Representative (CSR) at any of our locations to enroll and have Online Banking access activated and 2)have internet access. You have the right to withdraw your consent any time by canceling your enrollment in the service. Upon contacting a CSR at any of our locations, your Online Banking account would then be deleted.

We reserve the right to deliver periodic statements on paper. With our E-savings Account, no paper statements will be delivered. The requirements of this account cause you to access those documents via First Missouri Bank of SEMOs Online Banking System. You understand and acknowledge that you have the right to obtain a paper copy of your E-statement. At such time, you agree to make such request in writing to First Missouri Bank of SEMO and you acknowledge research fees, specified in our Schedule of Services, may apply upon such request.

Online Banking Functionality
Fund Transfers: You may perform unlimited transfers between transaction accounts. You may not make more than six (6) transfers per month on any savings or money market accounts. All transfers conducted prior to 5:00 p.m. CT will process on that business day.
Balance Inquiries: You may use online banking to check balances on deposit and loan accounts where you have authority as owner/signer.
Account Services: You may use online banking to view copies of checks and deposits, copies of deposit account statements, and place stop payments on checks.

Bill Pay Service Functionality
Make Payments: You may make or schedule payments as needed. There is an initial limit of $300.00 when the bill pay account is set-up. Upon completion of account verification by Fi-Serve Direct Services Corporation via debit and credit transactions, the dollar limit will be lifted. Payments can only be made to payees within the U.S. and its territory. The “Scheduled Payment Date” is the day you want your Biller to receive your bill payment and is also the day your account will be debited. If the Scheduled Payment Date falls on a non-business day, it will then be processed on the previous business day. For further explanation of Bill Pay procedures at Fi-Serve Direct Services Corporation, refer to the Bill Pay link provided on our website at www.1fnb.com.
Automatic Payments: You may set up payments to pay automatically-one time or recurring. You set up the frequency, amount, and timing of these payments. The amount is fixed and will not change unless you manually change it.
External Transfers: External transfers allow you to electronically transfer money between transaction deposit accounts at First Missouri Bank of SEMO and other institutions that are located in the United States and have a valid ABA routing number.
Payment Processing: You are responsible for having sufficient and available funds on deposit to make scheduled payments and transfers. We may or may not deduct payments or transfers from your designated account in conjunction with any of the above listed services, if that said payment/transfer creates an overdraft. You are liable for all applicable overdraft fees.

Additional Terms
You are responsible for obtaining, installing and operating all necessary hardware, software, and Internet access necessary to use these services. First Missouri Bank of SEMO is not responsible for failures from the malfunction of your hardware, software, and Internet access services. If First National Bank changes hardware or software, you may have the choice to withdraw your consent to the electronic information without a fee, condition, or consequence.

If you believe your Personal Internet Banking ID is subject to unauthorized use or that an unauthorized transaction may be or has been made from a First Missouri Bank of SEMO deposit account, contact a CSR at any one of our locations immediately.

We reserve the right to terminate any of the above Services provided to you without notice to you for any reason (except for such notice required by Law) including, without limit, if you do not comply with this Service Agreement or the agreement governing your Deposit or Loan Accounts. Termination of the Service Agreement will cancel any scheduled Transfers and or Payments. After 120 days of inactivity, your User ID may be revoked. You will need to contact a CSR at any one of our locations to have it re-activated.

  

Your local Bank. FM Bank!


Menu

Mobile Deposit

Deposit on-the-go, when you want, from wherever you want.

How to get started.

  • You will need to be a bank customer for at least 30 days before you are eligible for this service.
  • You can apply quickly and easily online or in-person at your local branch.
  • What you will need:
    • An iPhone®, iPad®, or Android™ device with the latest update of the FM Bank app
    • An eligible FM Bank Checking or Savings account
    • An active FM Bank Online Banking ID and password
     
After we receive your application, we will process your request and contact you upon review. You will receive notification with further instructions within 5 business days.

Apply Now!

 
Mobile Deposit is FREE for our Personal Checking and Savings account customers. Business account customers can deposit checks via Mobile Deposit for a fee of $1.00 per check deposited.

Who is eligible to use Mobile Deposit

Mobile Deposit is available to Online Banking users who have a checking or savings account and are in good standing with First Missouri Bank of SEMO. (We have the right to not approve, suspend or terminate the use of Mobile Deposit at any time and without prior notice.)

How to endorse a Mobile Deposit Check

On the back of the check, sign your name, and underneath your signature clearly write "Mobile Deposit Only at FM Bank". If your check is not properly endorsed, we cannot accept it through Mobile Deposit.

Types of checks that can be deposited with Mobile Deposit

You CAN deposit checks made payable to you from a bank in the United States and in US dollars that have been properly endorsed with "Mobile Deposit Only at FM Bank" and your signature.
 
Items you CANNOT deposit with Mobile Deposit:
  • Foreign checks
  • Savings Bonds
  • Checks payable to anyone other than you
  • Returned or re-deposited items
  • Checks that are not legibly written (Our system "reads" your check, and if it cannot, the security system will not accept a check for Mobile Deposit)
  • Checks that are "stale dated" (6 months or older) or "postdated"

Click here to view and download the agreement

Find a surcharge free ATM near you.

ATM LOCATOR

Protect your debit card through your mobile device by receiving alerts and defining when, where, and how your debit card is used.

Download the app today!

Need A Mortgage Loan?

Mobile Banking.
Download the App!

Conveniently manage your money when you want from wherever you want with our Mobile Banking App.

Learn More