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Online Banking

AVOID DEBIT CARD DISRUPTION by contacting us BEFORE you travel!

Debit and credit card fraud continues to increase at an alarming pace. F&M Bank proactively takes measures to minimize and prevent fraud. However, there are precautionary measures that cardholders should take. Whether you are heading to a conference in California or traveling abroad for business, below are some important traveling tips.

Notify us via Mobile App or Online Banking

If you are enrolled in Online Banking or have our mobile app, you can create travel notices to alert the bank of your vacation to avoid any card disruptions.
To create a debit card travel notice:
  1. Select Card Management > Travel notices
  2. Select Add travel notice
  3. Enter the Destinations where you're traveling and the Dates for your trip
  4. Select one or multiple cards
  5. Select SaveYour travel notice is set!
  6. You can also Edit a notice once it has been created or delete a notice at any time.

Important Traveling Tips

  • Notify F&M Bank of extensive domestic and/or international travels before you leave if you aren't enrolled in Online Banking and can't create a travel notice. 
  • Inquire about potential international fraud blocks before you travel*
  • Test your card to confirm that you have the valid PIN
  • Verify that your card will not expire while traveling
  • Carry alternative payment methods (i.e. additional debit/credit cards)
  • Do not pack all payment methods together (i.e. one in a suitcase, another in a purse or wallet)
  • Remain observant for pickpockets
  • Photocopy all cards front and back and keep copies on hand
If you happen to forget to let us know you’re traveling, you might receive an email, call and/or text from our Fraud Center if potential suspicious activity is detected on your account. Please be sure to promptly respond to this communication, as well as contact us and let us know how much longer you will be traveling to ensure uninterrupted debit card service

*F&M Bank has permanent blocks or limited access in the countries or states listed below. Please contact your local office to inquire about these restrictions and/or to have the blocks removed for the duration of your travel.

Current Blocks in the United States 

  • Arizona: Limited access. 1
  • California: Limited access. 1
  • Florida: Limited access. 1
  • Kentucky: Limited access. 1 
  • Maryland: Limited access. 1 
  • New York: Limited access. 1
  • Texas: Limited access. 1 

Current Blocks Outside of the United States

  • Antigua: No transactions allowed. 
  • Australia: No transactions allowed. 
  • Austria: No transactions allowed. 
  • Azerbaijan: No transactions allowed.
  • Bangladesh: Limited access. 1 
  • Barbuda: No transactions allowed.
  • Belarus: No transactions allowed.
  • Brazil: Limited access. 1
  • Cambodia: Limited access. 1 
  • Canada: Limited access. 1
  • Chili: No transactions allowed.
  • China: Limited access. 1
  • Cote d’Ivoire: No transactions allowed.
  • Cyprus: No transactions allowed.
  • El Salvador: No transactions allowed. 
  • Estonia: No transactions allowed.
  • France: Limited access. 1
  • Georgia: No transactions allowed. 
  • Germany: Limited access. 1 
  • Great Britain: Limited access. 1 
  • Guatemala: Limited access. 1
  • Hong Kong: No transactions allowed.
  • India: No transactions allowed.
  • Ireland: Limited access. 1 
  • Italy: Limited access. 1 
  • Jamaica: Limited access. 1 
  • Japan: Limited access. 1 
  • Kazakhstan: No transactions allowed. 
  • Kenya: No transactions allowed. 
  • Latvia: No transactions allowed. 
  • Lebanon: No transactions allowed. 
  • Luxembourg: Limited access. 1 
  • Malaysia: Limited access. 1 
  • Malta: No transactions allowed.
  • Mauritus: Limited access. 1 
  • Mexico: Limited access. 1
  • Montenegro: No transactions allowed. 
  • Mozambique: No transactions allowed.
  • Nepal: Limited access. 1
  • Netherlands: Limited access. 1 
  • Nigeria: No transactions allowed.
  • North Korea: No transactions allowed.
  • Norway: Limited access. 1 
  • Pakistan: No transactions allowed.
  • Panama: No transactions allowed. 
  • Philippines: Limited access. 1 
  • Poland: No transactions allowed. 
  • Portugal: Limited access. 1 
  • Qatar: No transactions allowed.
  • Romania: No transactions allowed.
  • Russian Federation: No transactions allowed.
  • Saudi Arabia: No transactions allowed. 
  • Serbia: No transactions allowed.
  • Singapore: Limited access. 1 
  • Slovakia: No transactions allowed. 
  • South Africa: No transactions allowed.
  • South Korea: No transactions allowed.
  • Spain: Limited access. 1
  • St Kitts Nevis: No transactions allowed.
  • Sweden: Limited access. 1 
  • Switzerland: Limited access. 1 
  • Thailand: Limited access. 1 
  • Tunisia: No transactions allowed. 
  • Turkey: No transactions allowed. 
  • Ukraine: No transactions allowed.
  • United Arab Emirates: No transactions allowed. 

1 Contact F&M Bank for details.