About F&M Bank Alerts



Your security is a priority at F&M Bank. We are updating our potential fraudulent transaction notification system to include text messaging. Effective July 10, 2018, customers with F&M debit cards and mobile phone numbers on file will receive an enrollment text message that states the following:

“207-33: F&M Bank Card Fraud Alerts activation text. Reply YES to confirm your enrollment, HELP for help, STOP to cancel texting. Msg&Data Rates May Apply.”

After receiving the SMS text, you have 72 hours to respond “YES” to enroll or “STOP” to cancel. If you choose not to enroll in this notification system, we will continue to notify you via phone call for potential fraudulent transactions.

If you have multiple F&M Bank debit cards, you will receive multiple text messages. However, you only need to respond once to enroll all cards or decline enrollment for all cards. You may request to enroll or remove enrollment by contacting your local F&M Bank branch.

If you do not receive an enrollment message after July 10, 2018, call or visit your local F&M Bank branch to update your mobile phone number.

Beware of Phone Spoofing!

NOTICE!  One increasingly common technique scam artists use is to falsify or “spoof” their caller ID information with local phone numbers or information to make it look like the calls are from a nearby person or business. While the caller’s information may appear local, the calls are often placed by scam artists who are located outside the state or country.   F&M Bank will never ask for passwords, PIN or personal account information over the phone.  If you feel your account has been compromised, please contact our customer service at 800-645-4199.



Our customer's ATM and debit card transactions are monitored for potential fraudulent activity.  Activities that trigger a potential fraudulent transaction are as follows:

If we suspect fraudulent ATM or debit card use, our automated calling service will contact the customer to validate the legitimacy of the transaction(s).  Customers will:

Customers WILL NOT be asked to provide their full debit card number, their account number or any personal identification.


If you have any questions or concerns, please don’t hesitate to call our Customer Support number 1-800-645-4199 (toll free) or send us an email message using the “Contact Us” function.

Beware of Fraudulent Text/Email Alerts!Your ID Smart Choice

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 - Thursday, 8:30AM - 4:00PM & Friday, 8:30 AM - 5:30 PM)

Lost or Stolen ATM or Visa® Check Card

(24 hours a day, 7 days a week)

Lost or Stolen Visa Credit Card

(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

PC and Network Security

Best Practices for Online Banking

Other Best Practices to Help Maintain Financial Security

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:

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:

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:

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:

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

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.

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

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:

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:

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:

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 www.equifax.com

Experian (formerly TRW):

1-888-397-3742 or visit them online at www.experian.com

Trans Union:

1-800-680-7289 or visit them online at www.tuc.com

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

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.