Security and safety are top priorities in banking. We’re introducing a new login security feature to give you stronger protection while keeping your banking experience simple and seamless.
You’ll be prompted to set up SecureNow and verify your identity using a One-Time Password (OTP). Don’t worry—you won’t need to enter an OTP every time you log in. It will only be required if we detect unusual activity on your account.
SecureNow is First Farmers and Merchants Bank’s enhanced security platform designed for Consumer Online Banking and Mobile Banking App users. This platform leverages intelligent risk assessment tools to monitor login activity and protect accounts from unauthorized access.
For more details, please see our Frequently Asked Questions (FAQs) below.
How does it work?
SecureNow safeguards your account by monitoring for unusual login activity. If suspicious behavior is detected, you will be asked to verify your identity with a one-time passcode sent via text message or voice call.
Will I need to update my username and/or password?
Your current username and password will not change and continue to work after the SecureNow upgrade.
How do I set up SecureNow?
When you log in to First Farmers & Merchants Bank Online Banking or the First Farmers & Merchants Bank Mobile App, you’ll be promoted to enroll by entering your mobile number. This will be the number used to receive your secure one-time passcode (OTP) for future banking sessions.
Am I required to set up SecureNow?
Yes, this new security process will replace your challenge questions when logging into First Farmers & Merchants Bank Online Banking or the First Farmers & Merchants Bank Mobile App.
Can I choose how to receive the OTP?
Yes. You can opt to receive the one-time passcode either as a text message* or a voice call. If you choose a voice call, you can select from the phone numbers First Farmers & Merchants Bank already has on file for you. *Msg. & Data rates may apply.
What happens after I select the OTP delivery method?
After you select your preferred delivery method, you’ll receive a one-time passcode at that number the next time you login. Enter this code to complete verification.
Will I verify my identity every time I sign in?
No, SecureNow uses artificial intelligence and detects your normal login behavior. Verification codes will be intermittent during normal login behaviors. When logins outside of your normal login behavior occur, you will receive additional prompting. You may also receive prompts for a verification code if you upgrade your device (but keep the same phone number).
What should I do if I'm locked out of SecureNow?
If you get locked out after multiple incorrect login attempts, a First Farmers & Merchants Bank representative can help. Call (866) 733-3444.