FMS Bank Online Banking Login

FMS Bank was initially known as Fort Morgan State Bank before it changed its name to FMS Bank in 2012. The bank was established in 1982 and is headquartered in Fort Morgan, Colorado with an extra branch in Greeley, Colorado.

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FMS Bank offers a secure and easy way of accessing and managing your accounts through its online banking service. Online banking service gives you full-time access to your accounts anytime, anywhere. All personal account holders need is access to the internet and a checking or savings account in the bank. Consider the guide below on how to enroll, log in and reset forgotten password to access personal online banking service.


Personal online banking service is accessible by individuals who have valid online banking credentials. To log in, please follow the steps outlined below:

Step 1- Open this link to access the FMS Bank website

Step 2- In the homepage, enter your Username and Random Code, then click Sign On 

Step 3- Answer your security question, then click NEXT

After the system approves your credentials, you will be able to proceed and access your online banking account.


Individuals who are unable to recall their online banking security question can bypass it through the steps outlined below:

Step 1- Follow the first 2 steps in the ‘How To Login’ section above and when requested to answer your security question click on the Send Me a Bypass Code then choose the way you want to receive the bypass code

Step 2- After you receive the bypass code, click Enter My Bypass Code

Step 3- Provide your bypass code, then click NEXT 

The system will allow you to proceed and access your online banking account after validating your details.


Any customer with a personal checking or savings account in FMS Bank can easily enroll for the bank’s online banking service. If you did not sign up when you opened your account, please call the customer care at 970-867-3319 to enroll and receive your username and password.


FMS Bank provides the following online banking services:

  • View your account information for multiple accounts
  • View, download and print your account statements
  • View, print or save images of your cancelled checks
  • Transfer funds between eligible accounts
  • Make loan payments
  • Free bill pay for business and personal accounts

Federal Holiday Schedule for 2023 & 2024

These are the federal holidays of which the Federal Reserve Bank is closed.
FMS Bank and other financial institutes are closed on the same holidays.

Holiday 2023 2024
New Year's Day January 2 January 1
Martin Luther King Day January 16 January 15
Presidents Day February 20 February 19
Memorial Day May 29 May 27
Juneteenth Independence Day June 19 June 19
Independence Day July 4 July 4
Labor Day September 4 September 2
Columbus Day October 9 October 14
Veterans Day November 10 November 11
Thanksgiving Day November 23 November 28
Christmas Day December 25 December 25

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