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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 Disney World or traveling abroad, below are some important traveling tips.


Important Traveling Tips

  • Notify F&M Bank of extensive domestic and/or international travels
  • 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


*F&M Bank has permanent blocks or limited access in the countries or states listed below. Please contact your local branch 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
  • Georgia: Limited access. 1 
  • Illinois: Limited access. 1 
  • Texas: Limited access. 1
  • New York: 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.