Personal Banking Debit Cards

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IMPORTANT NOTICE EFFECTIVE JULY 10, 2018 for debit card holders:

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 you enrollment, HELP for help, STOP to cancel texting. Msg&Data Rates May Apply."

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F&M Visa® Debit Cards

Lost or Stolen Card/card number

After Business Hours:
Visa Fraud Prevention Center
Notify us the next business day. 

During Business Hours:
1-800-645-4199 (Toll Free)

24/7 Fraudulent
Transaction Hotline

If you do not have a case number, press "0".

1-800-262-2024 (Inside US)
1-973-682-2652 (Outside US)

Debit Card Activation Number

24-7 Card Activation Assistance PIN Setup / Change Number

FREE with Your F&M Personal or Business Checking Account

Debit Card SingleMake a simple swipe of your F&M Visa® Debit Card instead of writing checks or using cash... anywhere Visa® is accepted.

Use Your Visa® Debit Card Like Cash Because:

Benefits Included with any F&M Visa® Debit Card

All F&M Visa® Debit Cards come with access to these great benefits. Be sure to register your card with these providers to take advantage of all the valuable benefits below:



ATM Withdrawal
Verified by Visa U Choose Rewards Logo
Want to Raise Your Limit? Planning a vacation? Looking to purchase new appliances for your home or redecorating? Ask an F&M Bank representative or call 800-645-4199 today to raise your daily point of sale or ATM withdrawal limit. Add an additional level of protection to purchases you make online Earn points towards merchandise, travel or cash for the purchases you make

* Subject to your account's available balance.

Debit Card MyChoice Group

Personalize Your Card with a MyChoice  Photo Debit Card

All F&M Checking Accounts come with a FREE standard Visa® Debit Card. But if you want to PERSONALIZE your Debit Card … we give you TWO great choices! Best of all, you can create your personalized Debit Card online. 

Select Your Style and Personalize for Only $9.95. 

ID Photo Card

Add an additional level of security to your Debit Card
purchases by adding an ID photo to your card. Select a recognizable head shot of yourself (no cap or sunglasses) to place in the upper left hand corner of your card. You can individualize your card even further by selecting from one of many stock backgrounds images when
designing your card.

Order this MyChoice Debit Card version now

MyChoice Photo Card

Show off family, pets, a great vacation shot or a silly camera moment with a big bold edge-to-edge photo on your MyChoice Debit Card. Chose a personal photo from your digital collection for a highly personalized card that will give you bragging rights and start conversations each time you shop!

Order this MyChoice Debit Card version now

Subsequent reissues of your MyChoice Photo Debit Card, whether reissued due to card being lost or stolen, or if the card expires, will be issued with the image previously uploaded and your account will be charged $9.95 for each card. Cards are reissued under normal use every two years.

VIP Interest Checking Customers – Your FIRST MyChoice Photo Debit Card is FREE.

Want to CANCEL Future Reissues of Your MyChoice Photo Debit Card?

Request by secure email that F&M Bank discontinue the automatic renewal of your MyChoice Photo Debit Card at the end of the card term. Please complete all fields in the form and indicate you wish to cancel your photo debit card in the comments section. Please also include the last four digits of your Social Security number.

Further Questions?

Consult our Debit Card FAQ page or call 800-645-4199.



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