Cash and checks are a thing of the past. Use an F&M debit card to pay — it’s safer, convenient and more efficient!

  • Visa® debit card accepted around the globe and online
  • Use at any ATM or shopping location with a Pulse®, Cirrus®, or Visa® logos1
  • Receive real-time transaction notifications with free Visa Purchase Alerts2
  • Includes added layer of protection with free Verified By Visa®
  • Safer than carrying cash
  • More convenient and safer than checks
  • Our Fraud Prevention Service constantly monitors & protects your VISA® Debit card and will send Card Alert Notifications via:
      • SMS/text messages
      • Automated email
      • Automated phone call
  • 24/7 access to funds via ATMs
  • Easily protect your card if lost or stolen
  • Eliminate cost of purchasing checks
  • Purchases appear on your account statement for easy tracking

Consumer Debit Cards:

  • Standard Daily Limits:
    • Personal Checking -
      • ATM (Cash Withdrawals, including any non-F&M Bank ATM surcharges) $510.00
      • Point-of-Sale (Purchases) $2,500.00
    • Teen Checking -
      • ATM (Cash Withdrawals, including any non-F&M Bank ATM surcharges) $210.00
      • Point-of-Sale (Purchases) $300.00

1 Third party fees may apply for use of Point of Sale (POS), Non-F&M Bank ATMs, and for use of Pulse®, Cirrus®, or Visa® networks. F&M Bank fees may apply depending upon the account type. For example: a monthly Point of Sale (POS) charge, and for use of non-F&M Bank ATMs.

2 Actual delivery time for the Purchase Alerts depends on several factors including, but not limited to your wireless coverage and service area. Purchase Alerts are provided by Visa USA and the services and functionality are limited by their website.

F&M Bank debit cards are the property of Farmers & Merchants Bank of Central California and its surrender may be required at any time. The holder’s use of the card constitutes agreement to the terms and conditions imposed by the issuer.

For terms and conditions, account information, and a list of fees and charges that may apply, please refer to our Customer Agreement & Schedule of Charges, Books I & II. This information is subject to change anytime without notice.

This information is effective 8/1/2023 and subject to change anytime without notice.