F & M Bank - Established 1893
ONLINE BANKING Welcome to F&M Bank! HOME PRIVACY STATEMENT CONTACT US
PERSONAL BANKING    
CHECKING
SAVINGS
CD's / IRA's
RATES
OTHER SERVICES
LOANS
HOME
AUTO
COMMERCIAL
AGRICULTURAL
CALCULATORS
LOAN CALCULATOR
MORTGAGE CALCULATOR
SAVINGS ESTIMATOR
ABOUT US
HISTORY
BOARD/OFFICER
LOCATIONS
Civic Involvement
CONTACT US

Personal Banking > Other Services
 

ATM and Debit Cards  |  EFT and Automatic Bill Paying

ATM and Debit Cards

ATM MachineTake home our Services in two convenient carrying cases for your busy lifestyle! We've put some of our most popular services into the palm of your hand. Our Debit Card gives you a faster, more economical, more convenient way to buy the products and services you need. That's because it allows you to withdraw funds from your checking or savings account without ever having to write out a check. So, you can purchase groceries, gas, or anything else wherever MasterCard is accepted.

Then, our ATM card allows you to withdraw or transfer funds any time of the day, without coming to Farmers and Merchants Bank. It's like having your own personal teller whenever you need one.

Your F&M Debit MasterCard® has been pre-enrolled in MasterCard® SecureCode™ - a complimentary new online security service. The next time you shop online at a participating merchant, a window will appear from SHAZAM asking you to confirm your identity and create a private SecureCode™. This code will offer added protection from authorized use of your card every time you shop at a participating online merchant. For more information, go to SHAZAM's informational webpage at https://secure.shazam.net/SecureCode .
 

Fast and one-step easy! Forget having to round up your checkbook, a pen, and two forms of ID. With our Debit Card, every purchase is as simple as using a credit card. And, there's no need to drive across town to get cash or transfer funds from one account to another. Your card can be used at any number of machines. There's probably one close to where you work or shop. So, you can take care of your financial business without taking a lot of time.
Worry free when you're out of town! No need to worry about getting your checks cashed out of town. Because our Debit Card is accepted wherever MasterCard™ is, you'll be welcomed like a local every place you travel.
Economical and ecological! Eliminate the need to purchase checks (and the risk of running out when you're at the checkout). Our Debit Card saves money in check printing fees while it saves valuable resources.
Safeguarded if lost or stolen! When you receive your ATM card or Debit Card, you'll also be assigned a personal identification number (PIN). It's added security against someone making transactions without your consent. And, as an added safeguard, we provide a cap on your liability if you card is lost or stolen.
Apply for yours today! Start enjoying our services with one of our two convenient cards today. To apply, stop by or contact us and we will mail you an application. If you are applying for the ATM card, your card will be issued to you immediately upon approval of your application. If you are applying for the Debit Card, you can expect your card to arrive within two weeks of your approval. Your PIN will be sent to you in a separate mailing. Before you know it, you'll be experiencing all the benefits of checkless checking or your own personal teller in one of two simple cards.

top of page

EFT and Automatic Bill Paying

Indicated below are types of Electronic Fund Transfers we are capable of handling, some of which may not apply to your account. Please contact us directly for a more detailed explanation of your rights and obligations regarding these transactions.

Third Party Transfers between your account and the third party's account to make or receive payment
Preauthorized Credits such as U.S. Treasury and Employee Payroll checks
Preauthorized Payments – You may make arrangements to pay certain recurring bills from your checking and/or savings account.
Electronic Check Conversion - You may provide your check to a merchant or service provider who will scan the check for the encoded bank and account information. They will then use this information to convert the transaction into an EFT.
Cash withdrawals from checking or savings accounts with an ATM card and/or Debit Card.
Transfer funds between checking and savings accounts with an ATM and/or Debit Card
Get Account Balance Information with an ATM and/or Debit Card.

top of page
FDIC & EHL