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Beware of Fraudulent Text/Email Alerts!

Fraudulent text messages can be sent in an effort to steal personally identifiable information.

We will NEVER send you a text message asking for your personal information...we already have it.  If you have received a text message, email, or phone call that seems suspicious, please immediately call us at 800.645.4199,  



Business and Consumer Protection

Should you ever have questions or concerns with regard to suspicious account activity, contact the following for immediate assistance:

General Inquiries / Assistance: (931) 645-2400 or (800) 645-4199 (toll free)
(Monday - Friday, 8:30AM - 5:00PM)

Lost or Stolen ATM or Visa® Check Card: 1-800-262-2024
(24 hours a day, 7 days a week)

Lost or Stolen Visa Credit Card: 1-800-883-0131
(24 hours a day, 7 days a week)

Security of Financial Information and Best Practices for Businesses

Below are some helpful tips to help protect your business from theft and fraud.

Maintain Standardized Internal Controls

  • Perform background checks on all staff.
  • Implement a “Zero Tolerance” policy for internal theft or fraud.
  • Institute and maintain a “need to know” policy on financial matters.
  • Develop employee transition and termination procedures that include login credentials and passwords.
  • Use secure mailboxes for outgoing mail that contains check images or account numbers.
  • Establish policies and procedures for the destruction of secure documents.
  • Establish policies and procedures for the publishing of executive signatures on any kind of electronic document.
  • Implement a security awareness program for all employees.


PC and Network Security

  • Do not divulge network or PC login credentials to anyone.
  • Stay up-to-date with anti-virus protection and use firewalls.
  • Install and/or update anti-spyware software.  Anti-spyware software also keeps unwanted software off of your PC and can also detect software that may have been installed without your knowledge.
  • Run a spyware scan of all your files on a weekly basis.  This will help catch any malicious software that may not be actively in use.
  • Download and install security patches.
  • Beware of file sharing.
  • Encrypt your data, including e-mails that contain sensitive information.
  • Mask account numbers and tax identification numbers in electronic correspondence, showing only the last few digits (e.g., Account No. XXXXX5432).

Best Practices for Online Banking

  • Please note that no employee of F&M Bank or company affiliated with F&M Bank will contact you via email or phone requesting your Online Access ID or Password. If you are contacted by anyone requesting this information, please contact us immediately at (931)-645-2400 or (800)-645-4199 (toll free).
  • Use a dedicated PC or laptop for all online banking activity. Do not permit or allow any other kind of Internet activity to take place on that machine.
  • Web pages use certificates to encrypt your date.  Most use RED as a page with a bad certificate and GREEN to let you know that the certificate is valid.  F&M Bank uses this high level of encryption, so your address bar should always be GREEN when logged onto your F&M Online Bank account.
  • Avoid setting up Super Users who can electronically control the online access of others in the organization.
  • Use dual control methodology for initiating and approving all online payments and ACH files
  • Incorporate multi-factor authentication into the login process for every user.
  • Restrict the use of ACH templates to "repetitive" or "semi-repetitive" whenever possible.
  • Review online banking activity daily and immediately report any suspicious transactions to your bank.
  • Use Positive Pay to monitor check clearing activity.

Other Best Practices to Help Maintain Financial Security

  • Reconcile your accounts frequently (daily is optimal).
  • Secure bank statements when not in use.
  • Implement ACH Debit Blocking on accounts that should never receive electronic debits.
  • Use safety features on your check stock and store blank checks in a secure place when not in use.
  • Secure cancelled check stock, including images of cancelled checks, and destroy remotely deposited checks within 14 days of deposit.
  • Purchase your check stock only from known vendors.

Business and Consumer Protection: Fraud & Identity Theft

Each year, thousands of people are victimized by financial crimes such as identity theft and other forms of fraud. F&M Bank is constantly working behind the scenes to ensure that customer information and financial transactions are protected to the highest standard possible. At the same time, we ask our customers to frequently and carefully review their account activity and immediately let us know of any discrepancies or suspicious activity at (931)-645-2400 or (800)-645-4199 (toll free).

The United States Federal Trade Commission maintains a website to provide a one-stop information resource for consumers and businesses pertaining to fraud prevention and response. Please review the information on this site and bookmark this valuable resource for future reference. The website is: Federal Trade Commission.

Helpful Videos:

Identity Theft Tips for Businesses

Flash Content

Identity Theft Tips for Personal

Flash Content

Fraud Alert Management

To protect your account, F&M Bank monitors ATM and debit card transactions for potential fraudulent activity.  Typical signs of fraudulent activities may include:

  • A sudden change in location (i.e. vacation, a business trip or weekend getaway)
  • A sudden string of costly purchases, or
  • Any pattern associated with new fraud trends around the world

Suspicion of Fraudulent Debit Card Activity

If we suspect fraudulent ATM or debit card use, we will be calling you to validate the legitimacy of the transaction(s).  Your immediate response to our call is critical, so that we can eliminate any potential risk and avoid placing restrictions on the use of your debit card(s).

Our automated call will ask you to verify recent transaction activity on your card.

You will:

  • Be able to respond via your phone's touch tone keypad.
  • Be provided with a 24/7 toll free number should you have additional questions
  • Receive a case number.  Provide this case number and the last 4 digits of your debit card number when calling for additional information.  You may be asked to provide the last 4 digits of your SSN for further identification.

You will not be asked to provide your full debit card number, account number or any personal identification.

If you receive a call stating there is an issue with your debit card and/or debit card transactions and the caller requests financial and/or personal information, the call is not from F&M Bank.  Never provide your financial and/or personal information in response to a call that was not initiated by you to one of our published contact numbers.

Our goal is to minimize your exposure to risk and the impact of any fraudulent activity on your account.  To ensure we can reach you should potential fraud be detected, please ensure we have your current contact information.  Also, inform us immediately of any changes.  You can confirm your account contact information next time you visit one of our branches or by calling: 931-645-2400 or 800-645-4199 (toll free) during normal business hours.

If you have any questions or need additional information regarding our ATM/Debit card monitoring services, select Contact Us to submit a secure email or call us at 931-645-2400 or 800-645-4199 (toll free) during business hours listed.  You may also monitor up to the minute account activity using our personal online banking services.   Click here to learn more! 

Protecting Yourself from Card Fraud

Unless absolutely required for legitimate business purposes, avoid giving out your:

  • Address and zip code
  • Phone number
  • Date of birth
  • Social Security number
  • Card or Account Number
  • Card expiration date

Important Points on Debit Cards

Your PIN is private;  NEVER give it out.

In stores and at ATMs, always cover your card and PIN and watch for:

  • Cell phone cameras, mirrors and other tools used to view cards and PINs
  • People watching your transactions
  • Cashiers taking your card out of sight.   Take your card to the register yourself
  • Any unusual activity at an ATM.  If you feel uncomfortable, go to another ATM.

While online, you should never respond to unsolicited emails that:

  • Ask you to verify your card or account number. Such emails are not sent by legitimate entities.
  • Link to websites. Such sites can look legitimate but may collect data or put spyware on your computer

Our goal is to minimize your exposure to risk and the impact of fraud. To ensure we can reach you whenever potential fraud is detected, be certain to keep us informed of your current phone number and address at all times.

Additionally, if you are planning any travel abroad, please inform us at (800) 645-4199 or contact your branch office so that purchases and withdrawals made overseas will not be flagged as suspicious. Informing us of travel overseas will ensure uninterrupted use of your Debit Card.

Finally, it is important to be diligent in monitoring your card account activity. Please contact us immediately at (800) 645-4199 if you identify any fraudulent transactions.

Foreign Travel and Your Visa Credit/Debit Cards

Some of our customers have experienced problems with their Debit cards being rejected during times of foreign travel. If you plan to travel abroad and intend to use your F&M Bank Debit Card during that time, please let us know. Your Debit cards are automatically protected by a fraud detection service that reviews transactions as they are processed. To save potential time and hassle during your trip, please contact us prior to your departure to verify your travel dates, destination(s), and the contact information to be used while you are away. F&M Bank will notify its fraud detection service of your travel plans and your intended destination(s). If this measure is not completed beforehand, it is possible you may find your card blocked when you attempt to use it.

It is important to note that, even if the proper precautionary measures are taken prior to departure, the use of your F&M Bank Debit card may still prompt a phone call from our fraud detection service during your travel time. Foreign transactions are watched particularly closely due to the high volume of fraudulent activity that takes place overseas. Our fraud detection service is an automated service. Should unusual patterns in purchase behavior start to appear, you will automatically be notified. Any calls generated will occur only if activity on the account scores in such a way to generate suspicion. In those cases where a phone call is received from our fraud detection service, a return call to F&M Bank will be essential in order to prevent your card from being blocked for use.

It is possible that we may not be able to reach you at a time when we have concerns about transactions giving the appearance of fraud. In such cases, we may need to take preventative action and block your card until you can be reached in order to prevent potentially fraudulent activity from taking place. A return call to F&M Bank will be required in order to confirm your transactions and remove the block from your card.

Travel Tips

When traveling overseas, we recommend using a credit card for purchase transactions. However, a debit card can also be used for the majority of transactions undertaken.

  • In case of an emergency, we recommend that you carry more than one form of payment, such as other credit/debit cards and/or Visa Travel Money and local currency (both available at F&M Bank).
  • Due to the constantly changing economic and political conditions occurring worldwide, there are times when certain countries are blocked from activity in their entirety, even if you notify us of your plans to travel the country in question. For current information on blocked countries, please contact us.
  • Getting in contact with your cell phone provider is highly recommended before traveling overseas. Most phone carriers offer international calling plans.

For any questions or concerns regarding your travel abroad, please contact us at:

Business Hours: (931)-645-2400
After Hours – Debit Cards: 1-800-262-2024
After Hours – Credit Cards: 1-800-883-0131

Protecting Yourself Against Phishing

Phishing is a form of online fraud which occurs when someone poses as a legitimate company to obtain sensitive personal data and illegally conduct transactions on your existing accounts. Usually it occurs in the form of fraudulent emails, text messages, or phone calls that appear to come from legitimate sources. These communications ask customers to verify personal information or link to counterfeit web sites that appear real or ask you to call to a phone number to reactivate your account.

Watch out for emails, calls, text messages, or other communication that urge you to act quickly because your account may be suspended or closed, or to update your personal information.

Always keep in mind that F&M Bank will never send emails or other messages that require customers to send personal information to us via email, website links, pop-up windows. Any unsolicited request for F&M Bank account information you receive through emails, web sites, text messages, or other communication should be considered fraudulent and reported immediately to an F&M Bank representative.

Think You’ve Been a Victim of Phishing?

If you believe you may have given sensitive information over the phone or Internet, please contact your local F&M branch immediately.  For more information on what to do if you think you may have been a victim, contact us immediately at (800) 645-4199.

Helpful Hints to Identify Phishing

  • The message does not address you by name, but uses a more generic one like “dear Valued Customer”
  • It asks for account numbers, passwords, Social Security number, Access IDs, or other personal information.
  • It asks you to verify your debit card number by clicking on a link or calling a toll free or local phone number.

F&M Bank will NEVER ask for sensitive information, such as account numbers, Social Security number, Access IDs, passwords, or personal identification numbers (PIN), via email.  Beware of Internet Phishing scams.  Do not respond to Internet, email, or phone requests for debit/credit card, bank account, or family information.   Internet fraud is rampant.  Guard your personal information carefully.

What If My Wallet Is Stolen?

  1. Be prepared.  Make a log of everything in your wallet, including driver’s license, debit cards, credit cards, etc.   Be sure to include account numbers as well as the telephone contact information printed on the back of the card, so you have the information to quickly report the loss.   Keep this log in a safe place other than your wallet.   File a police report immediately in the jurisdiction where your wallet is stolen, which proves to creditors you were diligent.
  2. Immediately notify the three national credit-reporting organizations and place a fraud alert on your name and Social Security number.  This alert notifies companies that checks your credit that your information was stolen and that you must be contacted by phone before new credit can be authorized.

The phone numbers are:

  • Equifax: 1-800-525-6285
  • Experian: 1-888-397-3742
  • Trans Union: 1-800-680-7289

Also contact the Social Security Administration fraud line at 1-800-269-0271.

Customer Safety at the ATM

F&M Bank wants to ensure that all of our clients are provided with valuable information to protect them from crimes related to financial activity. To this end, we are recommending that you take a moment to review the following:

  • If you notice any suspicious persons loitering at or near an ATM or any other type of unusual activity occurring, please use another ATM or return to the ATM at another time. Contact law enforcement if necessary.
  • If you notice any unsafe conditions at one of F&M Bank ATMs (such as light fixtures being out), please contact us at (931) 645-2400.
  • Please be aware that Internet e-mail is generally not secure. E-mail sent to us by outside sources via our public domain is not encrypted and may not be secure. Confidential information should not be included in e-mails sent to us.

To report any lost or stolen ATM or Debit Cards, contact the appropriate number below 24 hours a day, 7 days a week:  Lost or Stolen ATM or Visa Check Card

Internet Security, Information Security, and Privacy Practices

F&M Bank is committed to providing a secure Internet environment. Keeping your financial and personal information secure and confidential is one of our most important responsibilities. The following measures are used to protect our systems and your information:

  • Our website offers up to 128-bit encryption, which protects information sent across the Internet. We strongly advise using a browser that supports this level of security. Our website may be viewed with virtually any browser; however, a browser with 128-bit encryption is required to use Personal or Commercial Online Banking.
  • Personal and Commercial Online Banking uses Secure Socket Layer (SSL) encryption, a protocol for managing online message transmission. SSL protects the information sent between Personal or Commercial Online Banking and your computer.
  • Please be aware that Internet e-mail is generally not secure. E-mail sent to us via our public domain is not encrypted and may not be secure. We do not recommend including confidential information in e-mails sent to us.
  • We use firewalls, intrusion detection and virus protection systems to protect our systems from unauthorized access by individuals or networks.

Browsing Our Site

Visitors to our website who are not logged on to Personal or Commercial Online Banking remain anonymous. Customers using Personal or Commercial Online Banking must enter their access ID and password in order to access their account information with F&M Bank. A “session cookie” is required to maintain a secure Internet connection and is automatically deleted once you sign out or reach the “no activity” threshold. We do not collect any information from the session cookie. F&M Bank also does not use cookies to track Internet use after a visitor or client leaves our site, including Personal and Commercial Online Banking.

Links to Other Sites

We may provide links to non-F&M Bank companies such as Harland Clarke, our preferred check printing company. If you choose to link to sites not controlled by F&M Bank, we are not responsible for the privacy or security of these sites. We encourage you to review the privacy policies of such sites.

Aggregation Sites

Aggregation sites are Internet sites that permit you to consolidate account information from various sources for viewing on one site. In most cases, the aggregation provider usually requests access to your personal information. You should ensure that the aggregator has the appropriate policies in place to protect the privacy and security of any information you provide or to which they are gaining access.

If you provide information about your accounts with F&M Bank to an aggregator company, all transactions initiated by the aggregation site via the access information given will be considered authorized, whether or not you were aware of a specific transaction. If you decide to revoke the authority you have given an aggregator company, we recommend that you change your Bank of Tampa password to ensure that the aggregator company cannot continue to access your account.

Free Credit Report

It is very important to always remain aware of the potential for identity theft. The Fair & Accurate Credit Transactions Act (FACT Act) mandates that the three major credit reporting agencies make your personal credit report available to you once a year at no cost. Your free credit report may be retrieved at the following website:

Please be aware that your “basic” credit report is available to you at no cost. If you want to know your actual “credit score” or wish to sign up for a credit monitoring service, the credit bureau that you select will charge a fee for the additional service. The basic credit report itself is very thorough. Upon review, if you find anything that appears incorrect in your personal credit report, the website provides procedures for reporting the error to the credit bureaus.

Helpful Links & Numbers


1-800-525-6285 or visit them online at

Experian (formerly TRW):

1-888-397-3742 or visit them online at

Trans Union:

1-800-680-7289 or visit them online at

Social Security Administration (fraud line):


Privacy Rights

U.S. Department of Justice ID Theft kit

Identity Theft Resource Center

Tennessee Department of Safety & Homeland Security

Kids and Computer Security


If You Are Contacted By F&M Bank, REMEMBER …

F&M Bank will never ask for your personal or account information via phone, email or text messaging.

Be positive you know with whom you are speaking on the phone BEFORE giving out credit card or bank account numbers. F&M Bank will NEVER ask for your ATM or Check Card PIN (personal identification number) for any reason! And we will NEVER contact you via e-mail regarding sensitive financial information. If you receive a phone call from someone identifying himself or herself with F&M ... and you are unsure of the person's identity ...hang up and call us back to verify the authenticity of the person with whom you are speaking. Keep your identity SECURE!

Helpful Hints

  • The next time you order checks, use your first initial instead of first name in the address area. If someone takes your checkbook they will not know if you sign your checks with just your initials or your first name, but F&M Bank does. You continue to sign the checks the same as always. In order to change your printed name on your checks, stop by the nearest F&M Bank location.
  • When you are writing checks to pay on your credit card accounts, DO NOT put the complete account number on the "For" line. Instead, just put the last four numbers. The credit card company knows the rest of the number and anyone who might be handling your check as it passes through all the check processing channels won't have access to it.
  • Put your work phone number on your checks instead of your home phone number.
  • If you have a PO Box, use that instead of your home address. If you do not have a PO Box, use your work address.
  • Never have your Social Security number printed on your checks. You can add it later if it is necessary, but if you have it printed, anyone can get it.
  • Cancel your credit cards immediately if they are stolen. However, the key is having the toll-free numbers and your card numbers handy so you know whom to call.
  • Carry a photocopy of your passport when you travel here or abroad.
  • Make a photocopy of the contents of your wallet - copy both sides of your driver’s license, credit cards, etc. Keep the photocopy in a safe place, NOT IN YOUR WALLET.
  • File a police report immediately in the jurisdiction where your wallet is stolen, which proves to credit providers you were diligent.

If your wallet is stolen, call the three national credit reporting organizations immediately to place a fraud alert on your name and Social Security number. The alert means any company that checks your credit knows your information was stolen and they have to contact you by phone to authorize new credit. 


Your ID Smart Choice