.comp-load-defer, .app-load-defer { visibility: visible !important; margin: 0 auto; padding: 20px 40px; display: block; }

FDIC-Insured—Backed by the full faith and credit of the U.S. Government

Routing #041207341

Rates Contact Careers investor Locations

Menu Close

Username
Password

Forgot Password? Enroll now

Retail Online Business Online

FIGHT FRAUD

Shop, explore and bank online (or on the go) with an added level of security.

HOME
FINANCIAL EDUCATION
FRAUD AWARENESS

Sign up for fraud text alerts

Protect your F&M debit and credit cards from data hacks and other fraud exposures with our free fraud monitoring service. It’s just one example of how we’re working to provide the best customer service and lowest fraud rates.

How it works

If our system detects a suspicious transaction, you’ll get a text message with details about it. If you made the transaction, just reply to the text to confirm it. Our anti-fraud system will mark it as legitimate, and you can get on with your day. If you flag it as fraud, you’ll receive another text with a number to call for follow up. Simple as that.

Lost or Stolen Card

If your F&M Card has been lost or stolen, notify us immediately.

For Credit Cards:
Call toll-free at: 800-325-3678; 24 hours, 7 days a week.

For Debit Cards:
Call toll-free at: 800-451-7843 or 419-446-2501 during regular banking hours. Call toll-free at: 800-417-8715.

To activate and set a PIN on your F&M debit card call: 1-800-992-3808, 24 hours, 7 days a week.

Fraud Monitoring	Features & Benefits
Free Monitoring	Real-time, ongoing monitoring of all your transactions
Comprehensive services	Protection from the moment you open your account to every transaction you make, including ongoing network analysis
Omni-channel protection	Real-time transaction monitoring across checks, debit cards, credit cards, wire transfers, and online and mobile deposits and payments
Advanced technology	Geolocation capability and device ID analysis for mobile and digital banking

Frequently Asked Questions

How to Sign Up for Fraud Alerts/Awareness Services

Call 800.451.7843 or visit your local bank branch to verify the mobile number we have for you is up to date.

If you have more than one debit card, you’ll receive texts for each card. Reply YES to one text to enroll all your cards.

Reply STOP to cancel fraud text alerts.

Recently, F&M Bank was notified by a third-party service provider, Fiserv, of a cyber incident that involved unauthorized access to F&M customer information in one of their file transfer applications. If you have not already, you will be receiving another letter regarding this incident from Fiserv, on our behalf. We wanted to further detail what happened, what this means for you, and how to protect your information.

On May 31, 2023, Progress Software Corporation announced it discovered a previously unknown vulnerability in its MOVEit file transfer technology, which is used by Fiserv and hundreds of organizations around the world. Fiserv provides payment processing, online banking and mobile banking services to F&M Bank.

Fiserv informed F&M on October 17, 2023 that because of the vulnerability discovered in May, unauthorized actors obtained Fiserv files transferred via MOVEit. These files included customer account numbers and bank routing numbers. To our knowledge, no other customer information was affected.

Importantly, the vulnerability discovered in MOVEit did not involve any F&M Bank systems and did not impact our ability to service customers.

Upon learning of this incident, we took immediate action to ensure that our vendor had launched a comprehensive investigation, identified individuals affected and notified regulatory bodies. We have been assured from Fiserv through their service provider that all system patches and remediation steps have been completed according to the MOVEit software provider's guidelines.

As referenced above and in accordance with applicable laws and regulations, affected individuals are being sent a letter via U.S. mail notifying them of the impact, with instructions on how to enroll in complimentary credit monitoring services provided by Kroll. We have no evidence that your information has been misused. Out of an abundance of caution, we have secured Kroll to provide identity monitoring at no cost to you for two years.

Additionally, we understand if you would like to take the steps to change your account number with us. Please visit your local F&M office to do so. If you have additional questions, please contact our Customer Care team at 419.446.2501. Thank you for banking with us. We value our relationship and will continue to monitor and work closely with our supporting vendors to serve your financial needs.

No, it’s totally free, but keep in mind that your service provider may charge text and data fees.

If our system detects suspicious activity on your debit card, you’ll receive a text with details. We send text alerts from 8 am - 9 pm EST.

Call 800.451.7843 or visit your local bank branch. Once we update your account, you’ll get a new enrollment message.

Call us at 800.451.7843 or visit your local bank branch.

Text notifications will come from our short number, which is 20733.

If you authorized the transaction, simply reply YES. If not, reply NO.

You have 72 hours to reply.