Security Services

Farmers & Merchants offers you everything a large bank does and more. We have the flexibility to provide products and services important to you like these extra Security Services that come built into your account for free.

Plus, we offer Safe Deposit Boxes as a convenient way to store items that are invaluable or difficult to replace. Our Safe Deposit Boxes offer security and privacy at competitive rates.

Take advantage of these Security Services to protect your finances and assets today.

Farmers & Merchants Bank – Smart Bank. Smart You.


Verified by VISA
Get an extra layer of security when you shop online.

Your Farmers & Merchants Bank Visa® debit card is equipped with password protection called Verified by Visa that puts you in control of your purchases by approving them online using your private password – and it’s free!

Activate Now
Click here to register yor debit card in the Verified by Visa® program.

Activate While Shopping Online
When shopping at a Verified by Visa® participating merchant, you’ll be asked to register your debit card during your checkout.

Here’s what to expect:

  1. Use your Visa® debit card to make a purchase.
  2. Enter your account details.
  3. Create a unique password.
  4. Complete your purchase & you’re done!

FraudWatch PLUS
You may not know it, but you have round-the-clock protection against the increasingly savvy perpetrators of card fraud. That’s because Farmers & Merchants Bank debit cards are protected by FraudWatch® PLUS.

With FraudWatch® PLUS, trained analysts watch for suspicious transaction activity on your behalf—24 hours a day, 7 days a week and 365 days a year.

If warranted, an experienced fraud analyst will contact you immediately to verify the authenticity of your card transactions. So if you get a call from Fraud Prevention Services, know that our people are doing their job in preventing potential misuse of your card.

It is important that Farmers & Merchants Bank has your current phone numbers (home and cell) so Fraud Prevention Services can reach you in the event suspicious or out-of-the-ordinary card activity is recognized on your account.

If you will be traveling internationally or outside of your normal geographic area, contact us first and we will make sure your card is working for you while you travel.

Fraud Prevention Services will NEVER ask for the following information:

  • Your full card number
  • The expiration date on your card
  • Your card’s PIN
  • The CVC code on the back of your card
  • Your full social security number

For lost or stolen debit cards outside of normal business hours, call 1-800-264-5578. During normal business hours, contact your local branch.