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F&M Bank


Identity Theft Protection: How to Keep Your Information Safe

Stay Informed. Stay Protected. Stay One Step Ahead.

Identity theft and fraud continue to evolve, but so do the tools and resources available to protect you.

At F&M Bank, we’re committed to helping you safeguard your personal and financial information. This page serves as your go-to resource for understanding identity theft, recognizing warning signs, and taking action when it matters most.

Current Fraud Trends to Watch

Fraudsters are constantly adapting. Here are some of the most common threats we’re seeing right now:

  • Phishing emails and text scams impersonating banks and trusted brands
  • Account takeover attempts using stolen passwords
  • SIM-swapping scams to bypass security codes 
  • Social media impersonation and marketplace scams
  • Data breaches exposing personal information

Identity theft occurs when someone uses your personal information—such as your Social Security number, bank details, or login credentials—without your permission.

This can result in:

  • Unauthorized transactions
  • New accounts opened in your name
  • Damaged credit
  • Loss of funds

Warning Signs of Identity Theft

Catching fraud early can make all the difference.

Be on the lookout for:

  • Transactions you don’t recognize
  • Unexpected account alerts or password changes
  • Bills or statements for accounts you didn’t open
  • Calls from debt collectors about unknown debts
  • Missing mail or notices of a data breach
    Routing #051404419
     Lost Card



How to Protect Yourself

Simple, consistent habits can significantly reduce your risk.


 Strengthen Your Login Security
  • Use strong, unique passwords
  • Avoid reusing passwords across accounts
  • Consider using a password manager

Enable Multi-Factor Authentication (MFA)

Add an extra layer of protection to your accounts whenever possible.


Monitor Your Accounts
  • Review transactions regularly
  • Set up account alerts for unusual activity




Protect Your Personal Information
  • Shred sensitive documents
  • Avoid sharing personal details unless necessary

Consider a Credit Freeze

A credit freeze can prevent new accounts from being opened in your name.































iOS and Android Users

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











Helpful Resources















































 
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Stay Updated

Fraud tactics change frequently—and so will this page.

We encourage you to check back regularly for updates and follow us on social media for ongoing fraud prevention tips as part of our weekly series.