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What is Apple Pay?
Apple Pay is a contactless payment feature that allows you to pay merchants using an Apple device (i.e. iPhone, iPad, Apple Watch)

How does Apple Pay work?
Apple Pay creates a virtual version of your debit/credit card assigning device account numbers for additional security. You pay using your mobile device instead of using your physical card.

Is Apple Pay safe?
Apple Pay is extremely secure. It relies on fingerprint identification which prevents anyone else from being able to use it should you lose your mobile device. A virtual account number is assigned to your card versus having your actual card number tied to each transaction. The Mastercard® Zero Liability Protection is still valid when using Apple Pay.

What is the cost associated with Apple Pay?
F&M Bank does not charge to use Apple Pay. Your mobile carrier may have fees/charges that apply based on your data plan.

Who accepts Apple Pay?
For a list of participating retailers, click here or look for the contactless payment symbols at checkout.
      

What if I have additional questions about Apple Pay?
For additional information on Apple Pay click here.

Can I use multiple cards with Apple Pay?
Yes, you can add multiple cards with Apple Pay. Purchases will always be deducted from your default card which you can change at any time within your Mobile Wallet in your Apple device settings.

How will I know a transaction was approved and went through?
A confirmation will appear on your screen confirming the completion of your payment on your mobile device.

What should I do if my card is lost/stolen or compromised?
If your card is lost/stolen or compromised immediately delete the card from your Mobile Wallet and contact F&M Bank to have your card cancelled (or complete this via F&M Online Banking or the Mobile App). You will need to dispute any transactions that may have been fraudulent.

What should I do if my device is lost/stolen?
Immediately contact your service provider and report it lost or stolen and then contact F&M Bank to have your debit card cancelled.