F&M Bank

F&M Debit Card

Use your F&M Debit Card in store to buy your everyday necessities or at an ATM to withdraw cash whenever you need it. It’s Convenience at its best!

Report a lost or stolen card | Search for a "Non Fee" ATM

Learn about the MasterCard® SecureCode™ Service

IDProtect™

With this service, there’s safety in numbers. Get up to $5,000 in identity theft protection, help kits to restore your identity, coverage for lost wages as a result, access to consumer fraud specialists and valuable online resources, all for only $1.25 per month.

Talk to your New Accounts representative at your local branch to sign up.

Visit our Online Education Center to view tutorials & learn more about Identity Theft Prevention.

Direct Deposit

Having government and payroll checks directly deposited in your account is not only convenient, it’s the safest way. You can also have automatic drafts set up to pay many bills or to automatically deposit in your savings plan. Paying yourself first is a great way to build that nest egg.

Contact your local branch to learn more about signing up for direct deposit and start saving more money this month.

Safe Deposit Box Services

Keep your valuables safe with a Safe Deposit Box from F&M Bank. Multiple sizes of deposit boxes are available, from a 3x5 inch to a 10x10 inch box.

Please contact or visit your local branch for Box options and pricing.

24 Hour ATMs

Get cash anytime at over 80,000 locations. (Get access to all F&M Bank’s ATM & Branch locations on your mobile phone with FM Mobile Banking.)

Telebanc

Get 24-hour account access by phone! Call 870.672.4222 or 888.672.4222

Overdraft Privilege

Many F&M Checking products offer overdraft coverage ranging from $300 to $500. If you qualify for overdraft privilege, a $29 fee for every overdrawn check - in addition to the overdraft amount - may be charged against your coverage. Each overdraft and any overdraft fee must be paid within 45 days.

Assistance & Other Resources

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