F&M Card Alerts

  1. What are F&M Card Alerts?

    F&M Card Alerts help you stay on top of your finances and help to reduce the risk of fraud occurring on your card.  Choose from numerous account notifications and monitor your transactions, adding another layer of security.  Depending on the type of card you have, these are the types of alert options available: 

    • F&M Debit Cards:  Authorization Alerts (Transactions) and Fraud Alerts.
    • F&M Credit Cards:  Balance Alerts, Payment Alerts, Authorization Alerts including Fraud Alerts, and other General Alerts.   
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  2. How do F&M Card Alerts work?
    When a transaction is triggered based on parameters that you have previously set up, we will send you a notification to the email address and/or phone number you have selected alerting you of the transaction(s).  

    In the case of Fraud Alerts, these are transactions that the Bank has flagged as potentially fraudulent.  You will need to respond to the Bank’s email, text or F&M’s automated phone system and verify if the transaction is yours or not. We may block your card until you reply to the alert or contact us.
  3. How much does it cost to enroll and use F&M Card Alerts?
    F&M Bank does not charge for this service, however your wireless carrier may charge you fees relating to using this service.  Please check with your wireless carrier regarding text messaging and your mobile plan. 
     
  4. How do I register for F&M Card Alerts?
    • Go to fmb.com/alerts
    • Click Register/Manage
    • Enter the authentication information
    • Assign a Nickname for the card number you are enrolling
    • Select your alerts
    • Click Submit
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  5. Why didn’t I receive a text and/or email after I set up my Transaction Alerts?
    On occasion, the Merchant Category Code (MCC) differs from the real business type.  For example, a Grocery Store can have an MCC incorrectly assigned by their bank as Convenience Store or a Bar can be incorrectly assigned as a Restaurant.  F&M can’t control how the merchant is categorized by their bank; however there are other alerts that you may set up that may identify these types of transactions.     
     
  6. What wireless carriers currently participate in F&M Card Alerts?
    At this time, text messages for Card Alerts are specific to U.S. carriers only and do not include international carriers.  Wireless carriers may be added and/or deleted at any time without notice. 
  7. What makes a transaction appear suspicious?
    F&M Bank uses various strategies driven by current fraud trends.  We examine many variables (i.e. the dollar amount, the rate of transaction, and the merchant type and location, etc.) to determine if a transaction is suspicious and potentially fraudulent.  We also monitor prior account usage patterns, like geographical locations consistent with your other account transactions.  In some cases, the characteristics of multiple transactions may raise suspicion and you may receive Fraud Alerts for more than one transaction.  When the Fraud Alert is sent, we will ask you to respond to confirm if the transaction is yours or not.
  8. What if I don’t reply to the Fraud Alert notification?
    For your security, we may block your card, preventing additional transactions from being approved, until you contact us to verify if the transaction is yours or not. 
  9. What if I don’t recognize the transactions in the Card Alert text or email notification?
    If you received a notification alert for a transaction you do not recognize, contact F&M immediately.
  10. How long should it take to receive a Card Alert by text message (SMS)?
    Typically, alerts are received within a minute, but timing may vary depending on such factors as cellular phone signal strength, traffic over the phone network, etc.  
     
  11. Why didn't I receive an email confirmation after I enrolled in F&M Card Alerts?

    The confirmation email may have been flagged as spam.  Check your email Junk folder, save our email address.

  12. Why didn’t I receive a text to complete my registration after I enrolled in F&M Card Alerts?
    Your mobile phone may be blocked from receiving third-party text messages. Contact your wireless carrier and ask to remove the block from your mobile phone and also confirm that your plan allows for receiving and sending text messages. Please remember that F&M Bank does not charge for this service; however, your wireless carrier may charge you.
  13. Why can’t I text back to complete my registration after I enrolled in F&M Card Alerts?
    Your mobile phone may be blocked from sending third-party text messages.  Contact your wireless carrier and ask to remove the block from your mobile phone and also confirm that your plan allows for receiving and sending text messages.  Please remember that F&M Bank does not charge for this service; however your wireless carrier may charge you.    
  14. If I am traveling outside of the U.S., can I receive Text Alerts?
    Messages can only be sent via U.S. carriers. You can contact your wireless carrier and ask for an international plan where you can continue to receive text messages.  Please remember that F&M Bank does not charge for this service; however your wireless carrier may charge you.  If you live outside of the U.S and have a non-US wireless carrier, you will need to specify an email address to receive Card Alerts by email.      
  15. Are text commands case-sensitive?
    No, text commands can be sent as upper-case, lower-case or a mixture of both. 
  16. What do I need to do if my mobile number changes?
    In order to receive Text Alerts you need to update your destination information. Log in to the Card Alerts website at fmb.com/alerts.  Select Debit or Credit Card alerts. Once on the Card Alert website, click on ‘Register/Manage’, answer the authentication questions, select the nickname for the account you want to change (if you have multiple cards), go to the Manage Destination menu  and delete the destinations you no longer wish to use.  You can also contact us at (562) 344-2346 Monday–Friday 7 am–9 pm, Saturday 8 am–9 pm, and Sunday 8 am–5 pm PT.
  17. Will I receive F&M Card Alerts on a new card that is issued after my card is lost or stolen?
    For Debit Cards: No, You will need to enroll your new debit card account.
    For Credit Cards: Yes, your new card will automatically be enrolled to receive the same Card Alerts you have previously selected.
  18. Why do I receive multiple text messages for a Card Alert?
    Text messages are unique and can only hold 160 characters.  Some Card Alerts require multiple texts to communicate all of the necessary information. 
     
  19. How do I stop receiving F&M Card Alerts emails?
    You can modify or deactivate your Card Alerts settings by logging in to the Card Alerts website at fmb.com/alerts. Select Debit or Credit Card alerts. Once on the Card Alert website click on ‘Register/Manage’, answer the authentication questions, select the nickname for the account you want to change (if you have multiple cards), go to the Manage Destination menu and delete the destinations you no longer wish to use. Or, you can contact us at (562) 344-2346 Monday–Friday 7 am–9 pm, Saturday 8 am–9 pm, and Sunday 8 am–5 pm PT.
     
  20. How do I change my selected F&M Card Alerts?
    You can modify or deactivate your Card Alerts settings by logging in to the Card Alerts website at fmb.com/alerts.  Select Debit or Credit Card alerts. Once on the Card Alert website click on ‘Register/Manage’, answer the authentication questions, select the nickname for the account you want to change (if you have multiple cards), go to Dashboard Menu to remove or update your selection of Card Alerts. 
  21. Which Card Alert options can I select when I enroll?
    Debit Cards: You can select Authorization Alerts.
    Credit Cards: You can select from Authorization, Cycle and Non-Monetary Alerts. 
  22. How do I unsubscribe from Text Alerts on my F&M Card?

    You can stop receiving Text Alerts by following any of the methods below:

    1. Via website: You can visit the website to create, modify, or opt out from Card Alerts. Go to Card Alerts website at fmb.com/alerts.  Select Debit or Credit Card Alerts. Click on “Register/Manage,” answer the authentication questions and make sure the nickname for the account you want to change is the Nickname field.  Under Manage Destinations, delete all your destinations enrolled and all the alerts.
    2. Via text message: To stop receiving Card Alerts (including Fraud Alert notifications) via text message:  Text the word “STOP” to
      1. 69319 for Credit Cards
      2. 42831 for Debit Cards

    An opt-out confirmation of your request will be sent via text message.  Thereafter, no future text messages will be sent to your Wireless Access Device(s). The action above will only affect Text Alerts.

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Debit Cards Questions and Answers

  1. What are Control selections?
    The“Control”option allow you freeze and unfreeze your card in case you temporarily misplaced your card. Transactions will be automatically declined until you unfreeze it. To receive notifications whenever a Control has been activated, select 'Decline DUE TO Control selection' in the Active Alerts section under Alerts Management

    * Note: Freezing your card isn't a notification to F&M Bank that your card is lost or stolen and/or there were unauthorized transactions on your account. If your F&M card is lost or stolen, or you become aware of fraudulent transactions, you must immediately notify F&M Bank.
    View Answer Close 
  2. Why wasn’t I notified about a declined transaction after I set up a Control selection?
    In order to be notified that a Control selection resulted in a declined transaction, you must select ‘Decline DUE to Control selection’ in the Active Alerts section under Alerts Management.
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