Protecting you from Fraud & Identity Theft is of utmost importance to all of us at F&M Bank. This includes safeguarding your personal & confidential information, and protecting your account from fraud. To do this, we use state of the art technology and our employees receive special training.
Card Alerts
F&M Bank's Fraud Prevention Service monitors and protects your VISA Debit Card or ATM Card from fraud 24/7, 365 days a year. When potentially fraudulent transactions are discovered, you may be contacted so that future fraudulent transactions can be avoided.
What We Monitor
Your card transactions are monitored for purchases that are outside of your normal purchasing patterns; occur during abnormal timeframes and at unusual geographical locations; or purchase patterns that are consistent with previously identified fraud trends.
How We Contact You
Getting in touch with you quickly is critical to stopping any potential card fraud. Our Fraud Prevention Service may alert you of possible fraudulent transactions one of three ways:
- SMS/Text Message
- Automated Email
- Automated Phone Call
How To Respond To A Card Alert
- SMS/Text Message
- Upon receipt of Text Message Alert, review the details provided in the message
- Respond as quickly as possible with the letter V (valid, authorized transaction) or F (fraudulent, unauthorized transaction)
- Do not include personal or confidential information in your response
- If you would like to opt out of receiving these important messages, you may reply with STOP to indicate this preference
- Email
- Upon receipt of an Email Alert, review the details provided in the message
- Respond as quickly as possible by clicking on one of the two links provided – No Fraud (valid, authorized transaction) or Fraud (fraudulent, unauthorized transaction)
- Do not reply to the message or include personal or confidential information in your response
- Automated Phone Call
- Upon receipt of Automated Phone Call Alert, listen to the information provided and follow the prompts
- Enter the required information to acknowledge if the transaction is a valid, authorized transaction or if it’s a fraudulent, unauthorized transaction
- If the call went to your voice mail, listen to the message as quickly as possible and contact the Fraud Center for assistance
- Be prepared to provide the representative with the six-digit numeric Reference ID which was included in the voice mail message as it is used to verify the authenticity of the call
How to Contact the Fraud Center
If you are contacted by our Fraud Center and need to verify the Text Message, Email, or Phone Call, you can call our service 24 hours, 7 days a week using the telephone number provided in the message. Be prepared to provide the six-digit numeric Reference ID provided in the SMS/Text Message, Email, or Voice Mail Message when calling as it is required to verify the authenticity of the call.