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Increase your buying power with a visa card from one of the strongest community banks in California.
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F&M Visa Card

Get more with an F&M Personal VISA card backed by a community bank you can trust. As one of California’s strongest banks for 106 years, F&M helps you increase your buying power with our F&M rewards option, and gives you peace-of-mind with an array of security enhancements. F&M's VISA credit card is accepted worldwide. [3]

Rewards:
  • F&M Rewards eligibility (enrollment necessary)
  • 1% cash back on all eligible purchases
  • Earn up to $550 in Cash Rewards per year
  • Credit card statement includes the Rewards balance
  • Redeemable in multiples of $25 payments towards the balance, deposited to an F&M account or a cashier's check

Peace-of-Mind:

  • Protect your credit with Verified by VISA
  • F&M VISA Alerts - Free1 notifications via text, phone or email about approaching your credit limit, online activity and irregular purchases. Already an F&M VISA card customer? Click here to enroll in F&M VISA Alerts.
  • Security Chip and PIN enhanced to provide stronger security protection against fraud
  • VISA payWave capability to make purchases faster by simply waving your card in front of a secure reader.
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  • Fraud or dispute protection with VISA's Zero Liability Policy
  • Lost or stolen card protection
  • Personal identity theft insurance
  • Purchase security and warranty protection
  • Travel and emergency assistance service
  • Emergency card replacement
  • Emergency cash advances
  • Travel accident insurance
  • Auto rental insurance

1F&M Bank does not charge you a fee for using the VISA Alerts service. However, your wireless carrier may charge you for receiving a text message or phone call from us related to this service.

Accessibility:

  • Worldwide acceptance
  • 24-hour telephone access to your account
  • Free online access
  • Access to cash at banks and ATMs
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By clicking the button below, you are navigating to a third party website not maintained by F&M Bank. The third party is solely responsible for the content of its website including its privacy policy and the products and service it offers. If you do not wish to proceed, you can close this box to return to the F&M Bank website.
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Download a Visa credit card application today!

Pricing and Terms

With an F&M VISA card you get the purchasing power of VISA, combined with the strength of Farmers & Merchants Bank. What are you waiting for?

Download a VISA credit card application and mail or drop off your completed application to your local office today.

All credit card programs require credit approval.  Certain restrictions and limitations apply, please click on the Pricing and Terms for further detail.


See All Services and Fees

 

Try Our Credit Card Calculator

All F&M Bank Certificates of Deposit are subject to penalties for early withdrawal.
Money Market accounts are limited to six withdrawals or transfers to another account of yours or to a third party by means of a preauthorized or automatic transfer or telephone order or instruction, computer transfer, or by check, draft, debit card or similar order to a third party. Exceeding these limitations may result in transfer of your account to one that pays no interest. A separate application and agreement are required for an ATM card, Online Banking, and Bill Pay privileges. Other transaction limitations or account fees may apply. Refer to the account agreements for details.
Applications limited to California residents only. Credit card applicant(s) require a personal deposit account relationship with F&M. All credit card programs require credit approval. Full details about these programs are provided when you apply and additional information is provided when you become a cardholder. Coverage is underwritten and administered by companies affiliated with Visa USA Inc. Certain coverage conditions, restrictions, limitations and exclusions apply.
Home equity lines of credit are available for both primary residence and second home locations. The plan has a variable rate feature. The index is the prime rate as published in the Wall Street Journal with a minimum floor rate of 4.750%. Maximum combined loan to value is 55.00% with line amounts available up to $500,000. All loans require credit approval. Terms and conditions may vary. Consult your tax advisor regarding deductibility of interest.
All loans require credit approval. Terms and conditions may vary.
Please be advised that without the loan number and signature, there may be a delay in processing your request.
All loans require a separate application and credit approval.
Business interest on checking accounts is available to sole proprietors and non-profit entities only. Other transaction or account fees may apply. Refer to the account agreements for details.
Savings accounts are limited to six pre-arranged withdrawals per statement cycle. Other transaction limitations or account fees may apply. Refer to the account agreements for details.
Credit card applicant(s) require a business deposit account relationship with F&M.  All credit card programs require credit approval.  Full program details are provided when you apply and additional information is provided when you become a cardholder. Coverage is underwritten and administered by companies affiliated with Visa USA Inc. Certain coverage conditions, restrictions, limitations and exclusions apply.
All loans are subject to credit approval.
Online Banking requires a Business Checking account. A separate application and agreement are required for Online Banking, Cash Management Services, or Bill Pay privileges. Other transaction or account fees may apply. Refer to the account agreements for details.
Savings accounts are limited to six pre-arranged withdrawals per statement cycle. A separate application and agreement are required for Online Banking and Bill Pay privileges. Transactions initiated between the hours of 3:00 PM and 12:00 AM PST on weekends or holidays will be processed the next business day. Other transaction limitations or account fees may apply. Refer to the account agreements for details.
Online Banking requires a Business or Personal account with F&M Bank. A separate application and agreement are required for Online Banking, Cash Management, and Bill Pay services. Transfers between accounts will be processed immediately if requested by 6pm. All other transactions initiated between the hours of 3:00 PM and 12:00 AM PST on weekends or holidays will be processed the next business day. Other transaction limitations or account fees may apply. Refer to the account agreements for details.
Some exclusions may apply.
The following Privacy Notice applies to Farmers & Merchants Bank customers only.
Since email is not a secure method of communication, please do not send any sensitive information (e.g. Social Security or account numbers) via email. If you need to include sensitive information in your communication to us, please contact us by phone.
Subject to credit approval, certain restrictions and limitations may apply.
No Closing Costs to the consumer for lines of $250,000.00 or less on refinance transactions. Loan amounts over $250,000.00 and all purchase transactions, third party or related origination costs to be paid by Borrower.