Personal Banking Other Services


Direct Deposit

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.

Visa Debit Card

All F&M Bank personal and business checking accounts come with a FREE Visa Debit Card. Make a simple swipe of your F&M Visa Debit Card instead of writing checks or using cash... anywhere Visa is accepted.

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Visa Credit Card

Our VISA credit card offers a fast and easy way to pay. It's widely accepted around the world at millions of restaurants, stores and other locations displaying the VISA logo (application approval is required). Personal and Business cards available.

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)

Visa TravelMoney®

Your Travel 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 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).   See our Overdraft Privilege Program Disclosure for full information.