Debit Card Safety

Many of our clients use an F&M Bank Debit Card on a daily basis. And why not? It’s quick, easy and secure. To enhance that security even more: 

  • Sign up for notifications. F&M Bank has created a variety of in-app, email or text notifications that can signal unusual behavior (going over a financial limit, for example) on the account that’s linked to your debit card.
  • Temporarily suspend your debit card. Temporarily suspending your card prevents purchases, withdrawals or transfers. It’s an ideal way to secure your account for any reason. Going on vacation? Afraid you’ve misplaced your card? Suspend it! When you’re ready, it takes just two taps to reactivate your card. 
  • Take time to sign. It’s cheaper for merchants if you enter your PIN, which is why card terminals bring up the PIN page as a default. But selecting “credit” and then signing for a debit purchase not only protects you from data thieves, but activates Mastercard’s zero-liability promise.
  • Keep your PIN private. If you do use a PIN, take care that you don’t inadvertently hand it over to strangers. Use your body to block others’ view as you enter a PIN, and decline a clerk’s offer to enter the PIN for you. Also, don’t keep a written version of your PIN with your card; memorize the number instead.
  • Look over your statement. It seems like a no-brainer, but lots of people skip this crucial step. Reviewing your monthly account statements only takes a few minutes, and it’s the best way to ensure that you are the only one using your debit card.