ATM / Debit Cards
Our ATM Card and ATM/Debit card is imprinted with the VISA logo which is accepted worldwide. Enjoy the convenience of using your ATM/Debit Card which is accepted by any merchant who displays the VISA logo. Enjoy accessing your account for cash withdrawals at an ATM location* nearest you.
FM BANK Has Real Time ATM/Debit Card Processing
Real Time processing allows FM Bank the ability to post transactions to your account within seconds after they occur.
How does Real Time processing benefit you?
• "Real Time" immediate access to deposited funds with your ATM/Debit Card
• "Real Time" immediate posting of your ATM/Debit card transactions
• "Real Time" immediate balance updates at ATM Terminals
* Subject to FM Bank Funds Availability Policy
Protecting your debit or ATM card
Protecting your debit or ATM card from fraud requires 24/7/365 days a year monitoring. Our fraud detection programs monitor your card transactions for any suspicious activity. If potentially fraudulent transactions are taking place, we’ll contact you immediately so that future fraudulent transactions can be avoided.
What we monitor
Your card transactions are monitored for purchases outside your normal purchasing patterns, unusual time frames and geographical locations, or purchase patterns that are consistent with previously identified fraud trends.
How we contact you
Getting in touch with you quickly is critical to stopping any potential card fraud. 86% of Americans have a mobile device and this offers a convenient and free* method to contact you fast. With our Card Alert Notification service, you will receive a text message asking you to confirm if a suspicious transaction was authorized by you.
Receiving a text message
The text message will arrive with a 5 digit code (33748) and contain our financial institution name, dollar amount of the transaction and merchant name.
You will be asked to reply with “Yes” if you authorized the transaction. You will receive a confirming text message and can continue to use your card with confidence.
A “No” reply means you have not authorized the transaction. You will receive a confirming text message and you will be contacted immediately by a fraud specialist to protect your account. Please answer this important call.
Do not reply to the text message with any personal or confidential card information
If you would like to opt out of receiving these important messages by text, you may reply with STOP to indicate this preference
* Text messages to your mobile device are free, but all other fees on calls and texts are subject to the terms of your voice/data plan with your mobile carrier.
Help us protect you
Keep us up to date with your current mobile and home phone numbers and contact information. Please call our Customer Care Call Center at (337) 332-4132 to update your contact information.
To help prevent interrupted service with your FMBank ATM / Debit card, please notify us at least one business day prior to your departure. This will insure that your transactions are not blocked by our fraud monitoring systems. Most debit card fraud originates from foreign countries. As a result, we block all NON-US transactions, unless we are notified of your travel plans and remove the block during your time away.
We sincerely hope that any inconvenience you experience as a result of this block will be balanced by our vigilance and increased security. FMBank will always take a proactive stance to provide you with the highest safeguards.
Important Notice: We may also block transactions from specific cities, states or merchants within the US due to fraudulent activity trends. Transactions are currently blocked for the following:
- All NON-US Countries
Please contact Customer Care Call Center at (337) 332-4132 if you plan to use your card while traveling.
To report your debit card lost or stolen during regular business hours, please call
337-332-4132. After regular business hours, please call 1-800-528-2273.
To report your FM Bank debit card transaction disputes, please call
1-800-808-6402 to reach the “Consumer Chargeback Department”.
To learn more about ATM/Debit Card Safety Click Here
* $1.50 per transaction at ATMs not owned or operated by us