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F&M Debit Cards

Choose a card that best suits your needs! There is an option for everyone.

Support you local school with our new F&M Bank Spirit Debit Card!

Choose from 15 local schools 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.

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 1.800.236.2442 

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.