Wherever, whenever...

Farmers Bank Mobile Banking offers you two convenient ways to access your accounts - our Mobile App and web-enabled browser banking. Mobile Banking lets you access your accounts using your mobile device, anytime, anywhere at NO CHARGE* to you! Convenience in your hands!

  • Touch ID or PIN Authentication
  • View balances & account activity
  • View recent transactions
  • Transfer funds 
  • Pay bills (learn more)
  • Person-to-Person (P2P) Payments (learn more)
  • Mobile Deposit (learn more)
  • Manage your Debit Card (learn more)
  • Access Other Accounts (learn more)
  • Locate Farmers Bank & Privilege Status ATMs (learn more)

Get started:

To access Farmers Bank Mobile Banking or our App, you must first be enrolled in Online Banking. You will use the same User ID and Password for mobile banking as you do for online banking. Don't have a User ID and Password? Click here to enroll now or download, print, and complete the application (PDF) and return or mail it to Farmers Bank. Once we process your application, we will provide an ID and password to get started (then you can select and change your ID and password).

Farmers Bank Mobile App 

Download your free Farmers Bank Mobile App for your Android smartphone or tablet, Apple®, iPad® or iPod Touch®. It's easy to install - just use the badge below or follow the simple instructions for your device.


iPhone, iPad and/or iPod touch - From the App Store, type Farmers Bank Spencer, IA in the search box, and then install. Log in using your existing Online Banking credentials.

Android Phone or Tablet - From the Google Play store app, type Farmers Bank Spencer, IA in the search box, and then install. Log in using your existing Online Banking credentials.

Farmers Bank Mobile Banking App User Guide

Mobile Banking

Access Online Banking through the internet using your phone's browser and internet connection. Click on the "Mobile Banking" option in the Online Banking dropdown on any page of our website. Log in using your existing Online Banking credentials.

Download E-Banking Services brochure/application (PDF)

Download E-Banking User Guide (PDF)

*There is no fee from Farmers Trust & Savings Bank for Mobile Banking or the Mobile App. Connectivity and usage rates may apply. Contact your wireless provider for more details. 

 iPhone, iPad, and iPod touch are registered trademarks of Apple Inc. App Store is a service mark of Apple, Inc.

Android and Google Play are trademarks of Google Inc.

Mobile Banking Risks and Security Tips

As with other forms of online banking, mobile banking has some inherent risks. But these can be minimized using some common sense precautions. A major factor contributing to the risk of mobile banking is the failure to treat a cell phone or tablet like a computer. Consider the following: 

  • As much as 36% of users don't even lock their devices with a simple PIN or password.
  • Few consumers have any form of anti-malware software on their mobile devices and, with little consideration for security, many are willing to download apps from virtually any source.
  • Because they are mobile, cell phones and tablets are regularly used on public networks, which are inherently less secure.

Making matters worse, customers are far more likely to lose a mobile phone than a laptop. 

If your mobile device is lost or stolen, you could fall prey to identity theft and account hijacking. And beyond accessing your online accounts, thieves can access other saved passwords and sensitive information. (To guard against this, explore one of the many security apps that will erase the device’s content remotely.) 

How do I make mobile banking safer?

The good news is that you can protect your information and your device by taking a few simple precautions, just as you would on your computer:

  • Don't get phished- Avoid clicking on links in text messages or emails, since these links may lead to malicious websites or downloads.
  • Don't save login information on your mobile device, especially to online banking or e-commerce sites.
  • Have a passcode on your device and set it to auto-lock after a certain period of time.
  • Before downloading any app, make sure it is from a known provider, then read the app's privacy policy to make sure that it is not sharing your personal information.
  • Carefully review your mobile phone bills for any suspicious charges or activity. 
  • Create secure passwords and keep your PIN safe. Change your password often, and do not use your pets' names, your child's name or any birthdays.
  • Consider installing a security app from one of the known and reliable security providers.
  • Install all operating system, software and mobile banking app upgrades when available.

When used properly, mobile banking can be just as safe as any other form of online banking. Safety and security begins with treating your mobile device the same as a computer or laptop. Then, additional measures to safeguard against loss of the device, as well as use on public networks, can go a long way toward personal safety. And finally, if you are like most people, you usually know where your phone is—often within arm’s reach 24 hours a day. If you lose it, you know it almost immediately, unlike a wallet or a credit card, and can notify your bank before any damage is done. 


For other steps and best practices for internet and E-Banking security, click here.