Buyers Protection & Extended Warranty

This is a great time to take advantage of the Buyer’s Protection and Extended Warranty benefits available with F&M Extreme Checking or F&M Premier Checking. It protects newly purchased items from theft or breakage.

✔︎ Buyer’s Protection will replace, repair or reimburse you up to the original purchase price, less shipping and handling charges, up to a maximum of $2,500 per claim and a maximum of $50,000 per account per year.
✔︎ Buyer’s Protection applies to the first 90 calendar days after purchase of the product anywhere in the United States, Puerto Rico or the U.S. Virgin Islands. Coverage includes all new purchases unless otherwise excluded, where the entire purchase price of the product is paid using your F&M Extreme Checking or F&M Premier Checking account. 
✔︎ To file a claim, simply report the loss to the Benefit Administrator at 866-210-0361. Failure to notify the Benefit Administrator within 45 days from the date of loss may result in denial of the claim.

What are Clients Saying...

  • “I recently purchased a set of expensive pots and pans. After a few times of use, the coating started to flake off. I had my receipt and purchased them with my F&M Extreme Checking so I filed a claim. Three weeks later I received a check reimbursing me for the entire purchase. The process was simple and I couldn't return them so it was nice to get my money back."  F&M Bank & Trust Client, 20 Years

download F&M premier & F&M extreme checking account brochure

For general questions regarding this benefit, call the Benefit Administrator at 866-210-0361.

To Register your F&M Checking Account benefits online or with the App. 
You will need to contact a F&M Client Service Representative to get your Access Code. 


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*Special Insurance Program Notes: The descriptions herein are summaries only. They do not include all terms, conditions and exclusions of the policies described. Please refer to the actual policies for complete details of coverage and exclusions. Insurance is offered through the company named on the certificate of insurance.

Insurance Product is not insured by FDIC or any Federal Government Agency; not a deposit of or guaranteed by the bank or any bank affiliate.