If your Visa check card is lost or stolen, or you suspect fraud on your account, we want to know right away. The card will be de-activated so no one else can use it. This notification is a requirement for you to avoid liability* for unauthorized use.

During regular banking hours, call any branch of our bank, or the Operations area in Timberville:1-540-896-8941
After regular banking hours, call the Hot Card Center (toll free) at 1-866-546-8273

*Liability for unauthorized transactions: If you believe that your ATM or VISA Check Card or PIN has been lost or stolen or money is missing from your account, and your contact Farmers & Merchants Bank within two business days, you shall lose no more than $50.00. However, if you do not tell Farmers & Merchants Bank within two business days after you learn of the loss, theft, or misuse, and it can be proven that Farmers & Merchants Bank could have stopped the loss, theft, or misuse from occurring, you could lose as much as $500.00. If you give your ATM or VISA Check Card and PIN to someone else to use you are responsible for any use of the card by that person.