Protect Yourself Against Phishing
Phishing usually comes in the form of fraudulent emails that appear to come from legitimate sources. These ask customers to verify personal information or link to counterfeit Web sites that appear real.

Watch for emails that:
Urge you to act quickly because your account may be suspended or closed, or to update your personal information.

• Don't address you by name, but use a more generic one like "Dear valued customer."
• Ask for account numbers, passwords, Access IDs, or other personal information.

F & M Bank will NEVER ask for sensitive information, such as account numbers, Access IDs or passwords, via e-mail.  Beware of internet phishing scams.  Do not respond to internet, e-mail, or phone requests for debit/credit card, bank account, or family information.  Internet fraud is becoming rampant.  Guard your personal information carefully!

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Welcome to F & M Bank!
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“Community banking is not about assets and how large you are.  It’s about your attitude—an attitude of how you treat your employees,  how you treat the community you live in and how you treat your customers”    Sammy Stuard, President/CEO