FDIC-Insured - Backed by the full faith and credit of the U.S. Government
F&M Bank
Drive-thru ATM

Debit Cards

Unlock all the advantages of your Visa® debit card.

Debit cards come free with all F&M deposit accounts. You already know that they can be used for fast, easy purchases online and in stores and to access your accounts at ATMs. But check out everything else your card offers.
Simplify your finances and enjoy benefits wherever you go.
 
Bank and shop in the Shenandoah Valley and worldwide without carrying cash or writing checks. These days, you can use your debit card without carrying it. By linking your card to your mobile device, you can make one-tap mobile wallet purchases in Virginia and at merchants everywhere.
  • No annual fees
  • No transaction fees
  • No interest charges
  • Withdraw up to $1,005 per day at ATMs, and make purchases up to $3,000 per day at any place you see the Visa® logo
  • Safer than carrying cash – if your card is lost or stolen, your responsibility is limited to $50
  • Quickly replace your card at any F&M Bank branch
  • Through F&M Online Banking, you have the ability to review all debit card transactions in a matter of minutes
  • Enjoy round-the-clock Visa® anti-fraud and identity theft protection
  • Add your card to Google Wallet or Apple Pay






















































iOS and Android Users

Download the F&M Bank app on your mobile device.









































Business person with F&M Bank website on mobile device.

Use your debit card with your digital wallet.

Add your F&M Bank debit card to your preferred digital wallet to make secure, contactless payments in stores, online, and in apps.

 
How to set up your digital wallet.

Getting started is simple and only takes a few minutes:

  1. Open your digital wallet app
    Use Apple Pay®, Google Pay™, or Samsung Pay® on your device
  2. Add your debit card
    Select “Add Card” and enter your F&M Bank debit card information
  3. Verify your card
    Follow the prompts to complete verification (this may include a one-time passcode)
  4. Start using your wallet
    Once added, you can use your device to make purchases wherever contactless payments are accepted



Tap. Pay. Go.

Making purchases is quick and easy with contactless technology. Just look for the contactless symbol at checkout and tap your F&M Bank debit card on the terminal to complete your transaction.

  • No swiping or inserting required
  • Fast and convenient for everyday purchases
  • Works anywhere contactless payments are accepted
 
A secure way to pay.

Contactless payments use secure technology to help protect your information while making transactions quick and convenient.



Card management screenshot

Have You Activated Your Debit Card?

  • If you opened your account at a branch, your debit card should already be active.
  • If you opened your account online, your card should arrive within 7–10 business days.


Still waiting after that? You can:

To activate your card, simply use it with the PIN provided or activate it in the mobile app under Card Management.

































































A convenient and secure way to pay.

Digital wallets use built-in security features like encryption and tokenization to help protect your information while you shop.



Pay in-store without swiping or inserting your card.


Make quick, secure purchases online or in apps.


Keep your card information protected with advanced security features.