Cellular Phone Protection

We depend on our phones for business, keeping in touch with friends and family, navigation, managing our finances, checking the news, entertainment, and much more.  Now with F&M Checking, you can protect your Cell Phone.

✔︎ Receive up to $400 of replacement or repair costs if your cell phone is stolen or damaged, in the U.S. and abroad. $50 deductible applies. Up to two claims per twelve month period. Covers up to four phones on a cellular telephone bill.
✔︎ To be eligible for Cellular Telephone Protection, You must be an accountholder and enrolled in the Cellular Telephone Protection benefit and pay your monthly Cellular Wireless Telephone bills with your eligible account issued by your institution F&M Bank & Trust. Only Cellular Wireless Telephones purchased by the Accountholder will be covered.
✔︎ Cellular Telephone Protection is supplemental to, and excess of, valid and collectible insurance or indemnity (including, but not limited to, Cellular Wireless Telephone insurance programs, homeowner’s, renter’s, automobile, or employer’s insurance policies). After all insurance or indemnity has been exhausted, Cellular Telephone Protection will cover the damage or theft up to four hundred dollars ($400.00) per claim, subject the terms, conditions, exclusions, and limits of liability of this benefit as well as the fifty-dollar ($50.00) deductible. The maximum limit of liability is four hundred dollars ($400.00) per claim occurrence, and eight hundred dollars ($800.00) per twelve (12) month period. You will receive no more than the purchase price less your fifty dollars ($50.00) deductible.
✔︎ To file a claim, call the Benefit Administrator at 866-210-0361 within sixty (60) days of damage or theft.
✔︎ You will need copies of your Eligible Account statement reflecting monthly Cellular Wireless Telephone bill payments during the time immediately preceding the damage or theft and your store receipt for repairs or for the purchase of your new Cellular Wireless Telephone

What are Clients Saying...

  • “My phone had a cracked screen so I filed a claim. I had my check within 2 weeks for reimbursement. All I paid was the $50 deductible to have the screen fixed. They were great to work with and made it very simple."  F&M Bank & Trust Client, 20 Years

Register/Access your F&M Checking Account benefits at fmbanktrust.clubchecking.com(Opens in a new Window).(Opens in a new Window).
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 Program Notes: The descriptions herein are summaries only and do not include all terms, conditions and exclusions of the Benefits described. Please refer to the actual Guide to Benefit for complete details of coverage and exclusions. Coverage is offered through the company named in the Guide to Benefit.