Educational Resources

Business partners doing financials.
Stay up-to-date on the latest information about financial safety and maximizing your F&M Bank tools. Along with tips to help protect your data, you’ll also find resources to take your financial know-how to the next level.



















Featured Article

An Elvis impersonator in front of a Las Vegas sign.

Prevent Impersonator Fraud

Falling for an impersonation scam could lead to significant money loss, fraud and identity theft. But with the these tips, you have the power to shield yourself.


Recent Posts and Articles

Commercial Lending,Hannah Test
Blue Lock symbol ACH Fraud.

Prevent ACH Fraud

From fake emails and texts to computer viruses and malware, outsmart the scammers with these fraud prevention tips and best practices.

Checking
Person using a phone and their credit card.

Do you know how to spot a scam?

Understanding the different strategies scammers use is the first step in outsmarting them. Here are more ways to protect yourself and your company from wire fraud.

Checking
A graphic image of a shield within a gear.

Prevent Wire Fraud

Understanding the different strategies scammers use is the first step in outsmarting them. Here are more ways to protect yourself and your company from wire fraud.

Savings
A hand coming out of a mailbox to grab a check.

Protect Your Business from Check Fraud

Our top priority at F&M Bank is your financial security. To protect yourself and your business against mail theft and identity fraud, take note of our best practices and services that enhance your security.

Mortgage
An Elvis impersonator in front of a Las Vegas sign.

Prevent Impersonator Fraud

Falling for an impersonation scam could lead to significant money loss, fraud and identity theft. But with the these tips, you have the power to shield yourself.

Mortgage
Person using their phone.

Social Media Safety

Thieves can piece together potentially damaging clues about when you’ll be away from home, which loved ones or hobbies might make up your passwords, and more.

Resources
A person smiling while looking at their laptop.

A Few Essential Tips On Finding the Best Bank for Start-Up Businesses

Start-up business entrepreneurs usually need help introducing their business to customers. No matter how passionate or talented they are, choosing a great bank is among the most important steps for new entrepreneurs.

Resources
A father paying for ice cream for his family with his debit card.

Advantages of Business Loans

Every business needs funding to start and/or grow operations. Not everyone has access to capital for a start-up business, which is where business loans come in handy.


Person using their phone.

How to Protect Yourself from Text Phishing (Smishing)

Scammers like to go phishing. That is, they like to impersonate your bank to trick you into sharing your personal information. These scam text messages are called smishing and are often very convincing, very scary and very urgent. But don’t take the bait. Take a minute to assess the situation for fraud. Or else, you could be on the hook for some serious financial trouble. 


A hand coming out of a mailbox to grab a check.

Check Yourself for Check Fraud

Today we can transfer money with the click of a button and make a purchase with the tap of a card. As banking technology evolves, so do financial scam tactics. So, it’s easy to assume paper checks are safe from scammers, but the truth is, paper checks aren’t fraud-proof. Keep reading for tips on how to spot check fraud — and stop it.


A person looking down at their phone and smiling.

5 Essential Things To Know About Bank Mobile Deposit

A mobile deposit or mobile check deposit is a simple, convenient tool that allows you to deposit your checks remotely via your bank’s mobile app


Four phones using apple pay.

7 Advantages Of Using Apple Pay

Apple Pay is a mobile payment service that allows users to make online purchases by means of contactless technology.


A mysterious person in a hood.

Identity Theft: Common Causes & How To Recognize It

Identity theft or identity fraud is when a thief steals your personal information and attempts to misuse it.


A stack of debit cards.

3 Ways A Debit Card Benefits You

Debit cards are issued by banks so that every cardholder can easily and quickly transfer money or make payments.


A person reviewing online banking information on their phone.

Types of Mobile Loans and Their Pros & Cons

Thanks to modern technology, loan applications are more convenient than ever. You no longer need to put pen to paper; rather, you can apply using a mobile phone or website.


A person lost their wallet on the sidewalk.

4 Immediate Measures To Take After Losing Your Debit Card

Is your debit card gone? Acting fast can prevent a relatively minor mishap from having major repercussions for your financial life.


A person using apple pay on their phone.

5 Benefits Of Apple Pay For Merchants & clients

Many people are familiar with Apple Pay, a payment feature that enables clients and merchants to do contactless transactions using Apple-supported devices like iPhone, MacBook Pros, and Apple watches.


A person using a calculator and reviewing graphs.

What is Investment Banking?

Investment banking is a specialty office of the banking industry designed to help governments, businesses and other entities raise money in a variety of ways.





A person reviewing paperwork and using a calculator.

Comparing Checking Accounts vs. Savings Accounts

A checking account, also known as a demand or transactional account, allows you to make both withdrawals and deposits at a bank.

Many companies are required to report information to FinCEN about individuals who ultimately own or control them. The January 1, 2024 requirement was made easier through FinCEN's electronic filing system. Go to boiefiling.fincen.gov to see if you fall under the mandatory reporting and for FAQ's and other instructions. FinCEN is a bureau of the U.S. Department of the Treasury.