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F&M Debit Cards

The Choose a card that best suits your needs! There is an option for every one.

Support you local school with our new F&M Bank Spirit Debit Card or get your JSU Spirit Card!

Choose from 16 local high schools or get your JSU card and show your school spirit every time you use you card. An additional fee of $20 applies to getting a Spirit Debit Card, but we donate $10 of that fee to the school on your card.

SecurLOCK Equip

SecurLOCK Equip is a new mobile app that allows you to control how, when, and where your debit cards are used. It's a simple and secure way to manage and monitor your payment transaction activity through instant notifications whenever your card is used.

Frequently Asked Questions about SecurLOCK

Dowloand the app now in Apple Store or Google Play

F&M MasterCard Debit Cards

F&M offers personal and business debit cards to meet the needs of all our customers. Debit cards offer the convenience of paying for goods or services without the hassle of writing a check, and getting cash from ATM machines 24/7. They also have the added security of making purchases without disclosing any personal information. Earn ScoreCard Rewards by using your debit card as a credit!

F&M Personal MasterCard Debit Card

—Enjoy managing your personal finances with direct access to your checking account.

F&M Business MasterCard Debit Card

—Manage your business’s finances with one simple card, and have additional cards for any signers on your account.

After applying for your debit/ATM card, you will receive the card and your PIN separately; via US Mail.  To activate your new card call 1.866.392.9952 or use in any ATM Machine.  You can change your PIN at any F&M Bank ATM.

For lost or stolen debit cards please call any of our branch locations or after hours call 1.800.640.4969 

Leaving the U.S.? Please call us at 256.447.9041 when you plan to travel outside the U.S. We’ll make sure you’re able to continue using your card without any problems.