• Main Office: (706) 846-8415
  • Loan Production Office: (706) 660-6877
Banking on Experience

ATM/Debit Cards

  • ATM transactions are processed in Real time. At the moment you use your ATM/Debit Card, the transaction will appear on your account, no waiting!
  • Withdraw funds from your checking or savings accounts without ever having to write a check, making shopping safe, secure and easy.
  • Accepted wherever MASTERCARD® is accepted
  • Accepted at ATM’s worldwide with the Cirrus® logo
  • You may use F&M Bank’s ATM without incurring a fee. Also, we offer nationwide ATM use.

Apply for your ATM/Debit Card today by downloading the application, then complete and deliver to the bank or you may email us the application to customerservice@fmbankandtrust.com

ATM/Debit Card Frequently Asked Questions


EMV Technology

F&M Bank and Trust offers the highest quality security with EMV Mastercard Debit Cards.  EMV is a secure technology that is used worldwide for all major payment methods: credit, debit, and prepaid cards.  Commonly referred to as "EMV cards" or "EMV chip cards," these cards use a smart chip instead of a magnetic stripe to hold the data that is required to process a transaction.  EMV results in a huge decline in counterfeit card fraud as it's virtually impossible to clone an EMV card. EMV brings you convenience and security to your payments.

The EMV chip in your debit card requires your card to process in a different manner than the original magstripe debit cards.  If the merchant's card reader is equipped with EMV technology, you will insert your card into the chip-friendly reader, typically located at the bottom of the machine.  Follow the prompts to approve the amount and enter your PIN or provide your signature.  Finally, you will remove your chip card when prompted. It will take a few seconds longer for the machine to process the EMV debit card compared to a magstripe card.  Your card can still be used on machines that do not have a chip-friendly reader.  Simply swipe your card instead of inserting it and continue as normal.


Card Management

Card Management is accessible by all online banking and mobile users.  Through Card Management, you have the ability to temporarily suspend your debit cards, report them as lost or stolen, and even activate new cards!

To access Card Management through Online Banking:

  1. Login to your Netteller (online) account.
  2. Access the "Options" tab.
  3. Click on the "ATM/Debit Card" link.  This will take you to the Card Management page where you can report your card lost/stolen and activate new cards.

To access Card Management through Mobile Banking:

  1. Login to your F&M Mobile app.
  2. Access the menu bar (the 3 horizontal lines in the top right corner).
  3. Select the "Prefences" menu option.
  4. Select the "Manage Cards" link.
  5. Select the card you would like to work with.  This will take you to the Card Management page where you can report your card lost/stole and activate new cards.

Please note that suspending cards can only be performed on our F&M Mobile App and not from Online Banking or by one of our Customer Support Representatives.


Lost or Stolen ATM/Debit Card

  1. Call (706) 846-5555 to report your card as lost or stolen.  Or, access Card Management through the Mobile Application.  This will NOT order you a new card.
  2. Complete a new ATM/Debit card application by visiting or calling one of our Customer Service Representatives.
  3. You should receive your Debit Card within 10 business days.
  4. Once you receive your card, you may activate your Debit Card by calling the toll-free number located on the front of your card.