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PERSONAL CREDIT CARDS

Six ways to spend smart

Personal Credit Cards

Choosing the right credit card is easier than ever. Whether you want to pay down balances faster, maximize cash back, earn rewards or begin building your credit history, we have the ideal card for you!


No matter which card you choose, you’ll enjoy important features like:


  • Convenient and Flexible Purchasing Power. Accepted at millions of locations worldwide.
  • Mobile purchasing capability for added convenience.
  • Zero Fraud Liability.* You won’t be liable for fraudulent purchases when your card is lost or stolen.
  • Cardmember Services available 24 hours a day/365 days per year.
  • Plus much more!

*Credit Card services are provided in partnership with Elan Financial Services

Frequently Asked Questions

A secured credit card is backed by a refundable security deposit and can help you establish or rebuild your credit history when used responsibly by making on-time payments.  The right credit card depends on your spending habits and financial goals. F&M Bank offers cash back, rewards, low-rate, and other card options, so you can choose the one that best fits how you use your card. 

Cardmember Online Account Access

Access and manage your account, set alerts, make payments, etc.

My Account Access

DISCLAIMER

*Elan Financial Services provides zero fraud liability for unauthorized transactions. Cardholder must notify Elan Financial Services promptly of any unauthorized use. Certain conditions and limitations may apply.

The creditor and issuer of these cards is Elan Financial Services, pursuant to separate licenses from Visa U.S.A. Inc., and Mastercard International Incorporated. Mastercard is a registered trademark, and the circles design is a trademark of Mastercard International Incorporated.
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