Reviews of F&M Xpress

By: F&M Bank OK App

List of user reviews and ratings for F&M Xpress

Total ratings

4.40 (Rating count: 285)

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Review summary

Users praise ease of use and fast core functions, but frequent post-update crashes, login problems (notably Face ID), and usability gaps hurt the experience. Many note difficulty viewing all accounts at once, weak search, and security prompts that slow access. Balance timing can also be confusing. Overall, the app is strong when it works but plagued by reliability and usability issues after updates.

Pros

Easy to use and intuitive interface.
Core banking features (transfers, balances, and bill payments) work smoothly.
App loads fast and is easy to navigate.
Clear balance visibility helps users see how much they have in their account.
Generally reliable for online and mobile banking when it’s functioning.

Cons

Sign-in issues and login friction, especially Face ID failures and remember-me problems.
Updates frequently break the app or cause it to stop working.
Usability gaps like not being able to view all accounts at once and weak search/record retrieval.
Security prompts—forced password changes and lockouts—create frustration.
Balance display timing can be confusing (available balance vs posted/real-time updates).

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User Reviews

Recent rating average: 4.20

All time rating average: 4.40

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21% (7)

Date	Author	Comment
2026-06-26	Ch*****	Good, quick, and easy to use! F&M is a great bank and they have a great banking app
Good, quick, and easy to use! F&M is a great bank and they have a great banking app
2026-04-11	g *****	It’s very helpful to see how much I have in my account
It’s very helpful to see how much I have in my account
2026-02-11	'd*****	Ever since the update the app does not work. ={
Ever since the update the app does not work. ={
2026-02-06	An*****	So easy
So easy
2026-02-02	br*****	Best bank by far and the app works as it should
Best bank by far and the app works as it should
2026-01-28	Br*****	Needs tap to pay on the app it would be so much better very nice app though works great
Needs tap to pay on the app it would be so much better very nice app though works great
2026-01-14	Tr*****	It has me change passwords every 6ish months and every time it just locks me out of my account without any warning. With updates the issues have been fixed. Still don’t like the apps layout
It has me change passwords every 6ish months and every time it just locks me out of my account without any warning. With updates the issues have been fixed. Still don’t like the apps layout
2025-12-22	Ac*****	It’s a shame you can’t see all accounts without clicking view all. Of course I want to view all!!!!🤦‍♂️
It’s a shame you can’t see all accounts without clicking view all. Of course I want to view all!!!!🤦‍♂️
2025-12-02	Ok*****	I love the app
I love the app
2025-09-25	Mu*****	This is a very good online bank. They have treated me well and been more than fair in all of our dealings and I highly recommend.
This is a very good online bank. They have treated me well and been more than fair in all of our dealings and I highly recommend.