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F&M Debit Cards

Choose the card thatís right for you and use it

The process of receiving your new F&M Debit Card is fast, easy and convenient. 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


The F&M standard Debit Card is $15. A personalized F&M Debit Card is $20. If your F&M Debit Card is expiring, you will receive a letter in the mail. Should your Debit Card need to be reissued, visit with a team member at 319-754-2265. 


No Annual Fees Apply. Visit with a team member or contact us for more information at 319-754-2265. 


Click here to choose your card design. 

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 ATMs.

If your card has been lost or stolen contact F&M Bank & Trust during business hours at 319-754-BANK or 888-331-BANK and during non-banking hours call 800-554-8969.

F&M Credit Cards

With the F&M Bank & Trust Visa Credit Card you will receive a LOW RATE, CASH BACK, or REWARDS. Itís your choice. Apply now for a Visa Classic, Visa Platinum, or MasterCard Gold. Each cards includes the convenience, reliability, and flexibility you expect from F&M Bank & Trust. Apply now and begin enjoying these benefits:

  • Great Introductory Rate
  • Automatic and on-line payment availability
  • Special seasonal promotional offers
  • Acceptance at over 29 million merchants worldwide
  • 24 hour customer service at 877-954-0190
  • Zero liability on lost and stolen credit cards
  • Auto rental collision damage waiver

Bonus Rewards are also available. To view the many different varieties of bonus' click here  or call 1-800-960-8472.

Fraud Text Message Alerts

F&M Bank & Trust is adding extra security to your accounts.  You can now receive text alerts regarding suspicious transactionson your Debit Card! You will have the option to receive the messages or stop the messages. These messages are for your account protection. *Standard text message rates apply

If you want fraud alerts via text message, make sure that we have your current mobile number on file.  Call us at 319-752-3661 or stop by and ask us to update your contact information.

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