Why bother standing in line to cash or deposit your payroll, Social Security, or retirement check? Instead, have them electronically deposited directly into your F&M Bank account so funds are immediately available for withdrawals, loan payments, and other transactions.
Electronic payments make it easier for you and your employer each time you get paid. There is no transfer fee for you to get paid with direct deposit. Depending on how you file your taxes, it is also possible to get tax refunds deposited directly in a checking or savings account.
Business Credit Card
Choose from our popular business credit card options such as low rate, cash back or flexible rewards to find the one that works best for your business.
Consumer Credit Card
Whether you want to pay down balances faster, maximize cash back, earn rewards or begin building your credit history, we have the ideal card for you!
Visa Gift Card
Gift cards are the only gift that's guaranteed to please. They're welcome anywhere Visa® debit cards are accepted. You choose the amount. We load the cards in seconds. The recipient can choose where to go and what to buy. It's that easy! (Purchase fee of $5).
Your TravelMoney Card is a prepaid reloadable Visa® debit card which offers you a safe and convenient alternative to traveler’s checks and cash. It is a simple and smart way to carry, use, and budget your travel funds. The TravelMoney Card works just like a Visa debit card allowing signature and POS purchases as well as ATM access.
You can reload your Visa TravelMoney Card with additional funds and continue to use it at any merchant worldwide that accepts Visa debit. Whether your travel takes you abroad or close to home you can experience the safety and convenience of your Visa TravelMoney Card. (Purchase fee of $9.95)
It is the policy of F&M Bank to comply with applicable laws and regulations and to conduct business in accordance with applicable safety and soundness standards. We cover a transaction and pay overdrafts at our discretion, which means we do not guarantee that we will always authorize and pay any type of transaction.
We can cover your overdrafts in two different ways: 1) We have standard overdraft practices that come with your account; and 2) We offer overdraft protection plans: Savings Account Link and Cash Reserve Line of Credit). If you are ever unsure if you have sufficient funds, you can check your balance on your phone before an overdraft occurs.