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Security Policy

Online Banking Security

At F & M Community Bank, we are committed to providing secure online service. We believe that providing the highest security and preserving the confidentiality of your banking information are two of our most important responsibilities. We want to make your online visit with us as secure as possible and you can be sure we will do our part to keep your information confidential. For this reason, we would like to explain how we protect the security of your online information.

How F & M Community Bank protects your information


F & M Community Bank uses a firewall, which is a combination of hardware and software designed to provide security by blocking intrusions and directing valid information requests coming to our Bank. The configuration begins by filtering requests and allowing only F & M Community Bank authorized requests to pass through. With the use of the firewall, F & M Community Bank provides constant monitoring, allowing only authorized users access to the online banking Internet site.

Internet Encryption

F & M Community Bank requires the use of a browser that supports 128-bit encryption such as Microsoft® Internet Explorer 7.0 and above or Firefox 7.0. 128-bit encryption technology represents the strongest method of data encryption.

Encryption is the scrambling of information for transmission back and forth between two points. This technology encodes the data by using a mathematical formula to scramble the data for secure transmittal on the Internet. A key is then required to decode the transmitted data.

User ID and Passwords

To authenticate your online banking session you enter a User ID and a Password, both of which are encrypted as they pass over the Internet. At the time of online banking enrollment, F & M Community Bank will provide you with a User ID and a password. Your password can be changed as often as you would like when you log-on to our online banking session. A minimum of 8 characters is required when creating a password. The password must consist of at least five lower case letters, 1 numeric character, one Upper case letter and 1 special character.

How you can protect your account

  • Memorize your User ID and password, never write it down or give it to anyone.
  • Change your password frequently.
  • Use a password that is unique, doesn't contain personal information and is not similar to your User ID.
  • Always log-off from any open sessions if you are not actively working within your account. Never physically leave your computer with an active session open. When you are finished banking online, click the log-off button instead of just closing the browser window.
  • Be aware, particularly when using public computers, that programs exist which record keystroke information and could compromise your online security
  • Make sure no one is watching you enter your User ID or password information on the computer.
  • Use a web browser with 128-bit encrypted technology

In addition, you should be aware of certain risks associated when dealing with programs or files from unknown sources – this applies to software available for download on the Internet or sent to you via email. Installing files from unknown sources raises the risk of unknowingly downloading infected software or computer viruses. When these programs are installed on your computer they can potentially tamper with your files without your knowledge. Never run unfamiliar programs received from email or the Internet. Always be a bit suspicious of email that you receive with attachments.

We recommend the use of virus detection software that can ensure your computer is free from viruses. We also encourage you to check for updates to your detection software programs and install updates as soon as available.

With enhanced interactive content and online security, and your cooperation and good computer sense, F & M Community Bank can provide you with a safe and secure way of enjoying the great convenience and security of online banking.