Debit Cards

The F&M Debit Card gives you simplified banking for busy lifestyles.

Using the Visa Card® Debit Card gives you 24/7 access to the funds in your checking account. With the F&M Debit Card you can receive it instantly or in a few days.

You can choose from over 100 designs or use a personal image. Personal images need to be 1015 x 640 pixels and landscape. Personal images can be emailed to

When you open your F&M checking account, you will receive on FREE Standard Debit Card.  You can personalize your F&M Debit Card for $20. If your F&M Debit Card is expiring, you will receive a notice in the mail. Replacement cards are $15. 

No Annual Fees Apply.

To get a Debit Card, contact the Client Representative Team.

Earn Rewards with Every Purchase

Our F&M Debit Card allows you to make purchases at any merchant location that accepts Visa Card. You will also earn bonus points towards merchandise, travel and gift certificates just for using our F&M Debit Card as a credit based transaction. To see the merchandise available or view your bonus points, please visit

The F&M Bank & Trust Debit Card can also be used at any ATM nationwide. Some fees may apply at non-F&M Bank & Trust ATMs.

If your card has been lost or stolen contact F&M Bank & Trust during business hours at 319-754-2265 and during non-banking hours call 800-554-8969 with 24/7 access to the funds in your account. For more information on lost or stolen cards, visit the Fraud Center.