Stay Safe Online: Essential Digital Banking Safety Tips from Farmers & Merchants Bank

word collage of various security related words

At Farmers & Merchants Bank, your financial security is always our top priority. With the convenience of digital banking comes the responsibility to protect your personal and financial information. As more people rely on digital banking tools for everyday transactions, it’s important to stay vigilant and informed about best practices for staying safe online.

Here are our top digital banking safety tips to help you bank with confidence:

  1. Use Strong, Unique Passwords

Avoid simple or commonly used passwords like “123456” or “password.” Instead, choose complex passwords with a mix of letters, numbers, and symbols. Don’t use the same password across multiple sites, especially for your banking login. Consider using a reputable password manager to help keep your credentials secure.

  1. Enable Two-Factor Authentication (2FA)

Two-factor authentication adds an extra layer of protection. When enabled, you’ll need to verify your identity through a second method—like a text message or authentication app—before gaining access to your account. It’s a simple way to significantly reduce the risk of unauthorized access.  But be aware: cybercriminals know many sites now use 2FA and may try to trick you into giving them your code. No legitimate organization will ever ask you for your 2FA code after it’s generated—never share it by phone, chat, or email!

  1. Keep Your Devices Updated

Make sure your computer, smartphone, and tablet have the latest security updates and antivirus software installed. Updates often contain patches for vulnerabilities that hackers try to exploit.

  1. Be Wary of Phishing Scams

If you receive an email, text, or phone call asking for your banking information, account login, or Social Security number—stop and think. Farmers & Merchants Bank will never ask for this information via email or unsolicited messages. Even if the message appears to come from an F&M Bank phone number, don’t trust it—cybercriminals can spoof or mimic numbers to make it look legitimate.  If something seems off, contact us directly using a known and trusted phone number.

  1. Avoid Public Wi-Fi for Financial Transactions

Public Wi-Fi networks can be convenient, but they’re not secure. Avoid logging into your digital banking account while connected to public Wi-Fi in airports, coffee shops, or hotels. Use a secure, private connection or a trusted VPN when banking online.

  1. Monitor Your Accounts Regularly

Keep a close eye on your account activity. Check your accounts frequently to spot any unfamiliar transactions early. With our digital banking tools, monitoring your finances is easier than ever—and gives you peace of mind.

Tip: You can also set up activity alerts in digital banking to be notified immediately when transactions post to your account, helping you catch any suspicious activity quickly.

  1. Log Out When Finished

Always log out of your digital banking session when you’re finished, especially if you’re on a shared or public device. Closing your browser window isn’t always enough—make sure to click “log out.”

  1. Use Official Apps and Websites

Only access digital banking through the official Farmers & Merchants Bank website or mobile app. Avoid clicking on links in emails or text messages unless you’re absolutely sure they’re from a trusted source.

Protecting Your Future Starts with Smart Habits Today

At Farmers & Merchants Bank, we’re here to help you protect what matters most. If you ever have questions or concerns about your online security—or think your account may have been compromised—please contact us immediately. Together, we can keep your money and information safe.

Stay safe. Stay secure. And thank you for banking with us.

NMLS #718145
published on 10/03/2025

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