Download Acrobat Reader 5.0 or higher to view .pdf files.
Menu X
Online Banking

“Cybersecurity” is everywhere these days. Protecting your data and money from Internet thieves is essential in our high-tech world, but it can feel overwhelming. F&M Bank makes it easier by providing simple guidelines to secure your email, computer, and social media while defending against Ransomware.

Your cybersecurity is a top priority at F&M Bank. In addition to a comprehensive system of safeguards, we’ve created easy-to-follow resources that can help you stay safe online.  

Do you know how to spot a scam?

Every year, thousands of people like you lose money to phishing. If a hacker were pretending to be your bank, would you be able to tell?

Cybersecurity During the Coronavirus Pandemic

To help fight the spread of coronavirus, many of us are working from home these days. Coupled with the need to homeschool children and a desire to keep in (electronic) touch with friends and family, the use of computers, tablets and phones has skyrocketed in recent weeks.

That means cybersecurity risks have risen dramatically as well.

F&M Bank wants to help ensure that none of our clients becomes a target for cyber criminals. First, please know that F&M Bank will never ask for personal identifiable information (PII) or account information via text or email. When in doubt, call us directly at (phone number) to verify that any communication purportedly from F&M Bank is genuine.

Learn more tips

Bank Impersonators

Cyber criminals often gain access to compromising information simply by asking. How do you know whether that email or text from your “bank” is real? The best way to protect yourself is to understand the things a legitimate financial institution will NEVER ask you.

Scammers are becoming very sophisticated in their fraud attempts, including posing as banking staff in order to elicit personal information through emails, texts and phone calls. These impersonations can sound very convincing, and it can be difficult to determine what’s authentic and what’s not.

F&M Bank won’t ask about account information*, including:

  • Account numbers (checking, savings, etc.)
  • Usernames, passwords and/or PIN
  • Answers to security questions

F&M Bank won’t ask about personal information, including:

  • Your social security number
  • Your birthdate or home address

F&M Bank won’t jeopardize your online security by requesting that you:

  • Share a one-time code
  • Download an attachment
  • Fill out a form


Red Flags

Cyber criminals use common ploys in order to manipulate you into parting with critical information. Keep an eye out for:

  • Scare tactics. In these cases, a loved one needs access to your bank account in order to escape danger or deal with an emergency.
  • Data breach lies. Your information is in danger or has been compromised (so they say), and only your personal information will save it.
  • Pressure to respond immediately. Scammers know that if you take time to think, you’ll likely realize it’s fraud, which is why they insist that you take instant action.

Call F&M Bank

If you’re unsure about an email, text or phone call, please don’t hesitate to reach out to F&M Bank. We’re always happy to confirm our communications or direct you to helpful resources if you believe your information may have been compromised.

*Note: When you contact F&M Bank, we will ask you to verify confidential information before you can access your accounts. This identify confirmation is a security measure that applies only to incoming requests; we do not solicit that information when contacting you.


Email Safety

It can be tough to tell these days because, often, dangerous emails look legitimate. Identifying red flags in different parts of an email is the best way to determine whether it’s safe to open—or should be deleted ASAP. Everything from the subject line to the hyperlinks offer clues, and your best bet is to become familiar with common warning signs.

Want to become more confident about what’s in your inbox? Learn how to spot the signs of a risky email today.

Learn More

Computer Safety

Between work, managing finances, and checking social media, most of us spend a good portion of the day on computers. The “routine-ness” of technology can lead to complacency when it comes to online security. And that’s what cyber thieves are counting on. By investing a little time on computer safety, you’ll substantially reduce the likelihood of becoming compromised.

Learn more

Social Media Safety

You’re among “friends,” so why wouldn’t you disclose the details of your life? But thieves often lurk on these sites—and on your profile—banking on you letting valuable information slip. Before you reveal more than you intend to online con artists, brush up on these social media safety tips.

Learn More 


It seems too mind-boggling to be real, but ransomware is frighteningly prevalent. Capturing someone’s electronic information—and not releasing it until a payment is made—has been around for decades. But it didn’t become as widespread as it is now until a few years ago. If you’re not up to date on this alarming trend, our introduction to ransomware is a good place to start.

Learn more

Has your information been compromised?

F&M Bank can help. We offer multiple resources to clients who’ve experienced cyber fraud.