• What is chip card technology?
    Farmers & Merchants Bank credit and debit cards have an embedded chip that adds an extra layer of security to your transactions. Chip technology is the global standard in fraud protection giving you even more protection against fraud and theft. Your account information is stored on the small metal chip on the front of your card. The chip generates a dynamic code for another layer of security, making every transaction unique. Chip technology makes it more difficult for criminals to counterfeit your card.
  • Are Chip, EMV and Smart Chip different?
    No, Chip, EMV and Smart Chip refer to the same chip technology. Other card issuers may refer to chip cards differently, but they are different names for the same technology.
  • Are there any additional fees associated with F&M chip cards?
    No additional fees apply to your new chip card.
  • How do I make a chip card transaction at a chip terminal?

    Step 1: Insert your card in the terminal with the chip facing up. Do not remove it until prompted.

    Step 2: Approve the transaction as usual. Provide your PIN if prompted.

    Step 3: When your transaction is complete, remove your card.

    Some merchants will require you to enter a PIN instead of signing the display panel for authorization. If a merchant hasn't switched to a chip card terminal, you can still swipe your card with the magnetic stripe.

  • How do I use my chip card at an ATM?

    Step 1: Insert your new chip card and do not remove it until prompted.

    Step 2: Follow the instructions on the screen and complete your transaction as usual.

    Step 3: When your transaction is complete, remove your debit card.

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