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F&M Trust deposit products

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PERSONAL DEBIT CARDS

Spend your money your way

Easily access your hard-earned money wherever life takes you. With flexible, secure access anytime and anywhere, your funds are always within reach - so you can manage expenses, handle the unexpected, and move forward with confidence.
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PERSONAL DEBIT CARD FEATURES

Simplify Your
Spending

With an F&M Trust Debit Card, everyday transactions are quick and effortless, freeing up your time for what truly matters and offering you the security you need for worry-free spending.

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Contactless Payments

Effortless payment on the go with the tap of your card or phone through mobile wallet.

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Extra Coverage

Access to YourBux benefits like cell phone protection, identity theft aid, and roadside assistance.

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Earn Rewards

Get rewarded for everyday purchases with ScoreCard® Rewards.

Convenient Access to Your Money

A variety of debit cards for flexibility and convenience to access your personal funds at any time.

Consumer Cards

Experience seamless access to your money with our consumer debit cards paired with a YourWay Checking Account.

Make everyday purchases, pay bills, or access cash at ATMs with speed and convenience, no matter where life takes you. Benefit from robust security features, 24/7 account protection, and the simplicity of contactless payments.

Take charge of your spending and enjoy the confidence that comes with banking made easy.

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Health Savings Cards

Convenient access to your Health Savings Account funds whenever you need it, without the hassle of reimbursements.

Pay for qualified medical expenses, medical bills, or access cash at ATMs with speed and convenience. Benefit from robust security features, 24/7 account protection, and the simplicity of contactless payments.

Manage your healthcare spending with confidence and flexibility so you can rest assured in your financial wellness.

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ATM Cards

Access your savings funds securely and conveniently with an ATM card.

Designed for simplicity and reliability, you can withdraw cash, check balances, and manage your accounts at ATMs anytime, anywhere. Enjoy the peace of mind that comes with advanced security features and round-the-clock access,

Empowering you to stay in control of your finances wherever life takes you.

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Benefits Built Into Every Account

Your finances are personal to us. That’s why our accounts offer a wide range of financial tools and services designed to help you improve your financial habits and build a stronger financial future.

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Mobile Banking

24/7 access at your fingertips to manage your finances with confidence.

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Online Banking

Full access to your accounts to pay bills and manage your finances anytime.

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Bill Pay

Easily schedule and manage payments to your utilities, credit cards, and more.

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Zelle

A fast, safe and easy way to send money to those you trust in minutes.

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Personal Finance

A digital tool that empowers you to take control of your finances.

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Credit Score

Get instant access to your credit report, personalized offers, and other resources.

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Scorecard® Rewards

Earn rewards on debit card purchases to make the most of your spending.

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Card Controls

Take charge of your cards instantly and enjoy peace of mind and total control.

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CONVENIENTLY CONTACTLESS

One Tap, and You’re Good to Go

Contactless payment works on your everyday purchases. Simply tap your F&M Trust debit card to pay and you're good to go. Look for the contactless symbol at participating retailers when paying for items at checkout.

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Making a digital mobile payment

F&M Trust Mobile App

The freedom to manage your money your way, right at your fingertips.

Download on the Apple App Store Get it on Google Play Store
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REACH OUT TO GET STARTED

Ready to Help

As a trusted local community bank, we’re committed to serving our neighbors. Our local financial pros live in the communities we serve and care about your success, delivering personalized service and knowledgeable support every step of the way.

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Community Offices

Find your nearest F&M Trust community office or ATM.

F&M Trust Office

Linglestown Office

4765 Linglestown Road
Harrisburg, PA 17112
Phone: (717) 510-7333
Drive-Up
Walk-Up

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EXPLORE MORE BANKING SERVICES

Personalized Solutions for a Better Financial Future

Everyone deserves to experience better banking to improve their financial wellbeing. Expand your world with banking services and solutions that save you time and money, are personalized to fit your individual needs, and go deeper than just a transaction.

Discover what Banking Done Your Way® means to you today.

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Checking

Checking solutions designed to fit your needs for a better banking experience.

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Savings

Savings made simple to achieve your short-term and long-term goals.

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Debit Cards

Easy access to your money with rewards on everyday purchases.

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Credit Cards

Choosing the right credit card for your needs is easier than ever.

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Mortgages

Feel at home with the right mortgage for you and your family.

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Home Equities

Put the equity in your home to good use with quick-access funds for flexible borrowing.

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Lines of Credit

Access funds on your terms when you need it the most.

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Wealth Management

Plan for your future at any stage with trusted advice and tailored solutions.

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Frequently Asked Questions

You can activate your new F&M Trust card by completing a transaction at an ATM or merchant using your PIN. Additionally, you may call our Freedom Access Center at (717) 261-3662 and select option 6 to activate your card.

Yes. While your YourWay Card allows you to make purchases as well as transactions at ATMs, you can request that your card is available to make purchases only. Please contact the nearest F&M Trust community banking office for assistance.

You can complete an application at any F&M Trust community banking location. And with our expedited issuance, you can get the card in just a few days.

An ATM/Debit card works like a credit card to make purchases wherever MasterCard is accepted. You can choose to sign for your purchase or enter you PIN. The card also works like a check, since all purchases are deducted from your primary checking account. And the card allows you to make ATM transactions -balance inquiries, withdrawals, transfers and more.

While an ATM/Debit card is processed through the MasterCard system, it is not a credit card. The card works like a check - you're using your money. All debit card purchases are deducted from your primary checking account instead of accessing a line of credit as they would in a credit card purchase.

Your card has several security features. For example, you'll receive a Personal Identification Number (PIN) when you receive your new ATM/Debit card. This private number is coded to access your card number only and gives you the added security against anyone else using your card. It's just one more step we take to ensure your safety while you enjoy the convenience of using your new YourWay Card - ATM /Debit MasterCard.

If you card is lost or stolen, contact the bank immediately at the appropriate number:

  • To report a lost or stolen YourWay Card (Debit MasterCard) during regular banking hours, call – (888) 264-6116
  • To report a lost or stolen YourWay Card (Debit MasterCard) after hours, call – (800) 236-2442

Please visit the nearest F&M Trust community banking location or call (888) 264-6116 to request a new card.

Yes, you can use your debit card while traveling outside the United States. However, to prevent fraud certain countries have been blocked. Please contact our data operations/debit card processing area to ensure that your card will be accessible in the countries that you are planning to visit.

You should receive your new card in the mail about 2-3 weeks before your current card expires. Your card is valid through the end of the month that appears on the front of your card. If you don't receive your new card within two weeks of your card's expiration, or if your card has already expired, please call us at (888) 264-6116.

If your ATM/Debit Card is damaged or not functioning properly, you may order a replacement card. Please visit the nearest F&M Trust community banking office or call us at (888) 264-6116. You will receive a new card within 5-7 business days. You can continue to use the same PIN you are currently using with your damaged card.