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 ATM and Debit Cards

If you are planning to travel outside the United States, contact the Bank to have your card activated for use in foreign countries during your travel dates.

LOST OR STOLEN DEBIT CARD • CALL 1-800-528-2273

Farmers and Miners Bank ATM Card

The Farmers and Miners Bank ATM Card allows customers to use ATMs to conduct routine banking transactions.  For your protection, NEVER keep your PIN number with your card.

  • An application must be processed and approved.
  • Customers are able to access their available balance.
  • There is no fee to use an ATM card at Farmers and Miners Bank ATM's.

Farmers and Miners Bank VisaŽ Check Card

The Farmers and Miners Bank VisaŽ Check card is a convenient way for customers to make purchases without carrying cash or writing a check.  The VisaŽ Check card looks similar to a credit card, but works like a check.  For your protection, NEVER keep your PIN number with your card.

  • An application must be processed and credit approval is required.
  • Customers are able to access their available balance.
  • There is no fee to use a VisaŽ Check card at Farmers and Miners Bank ATM's.

Frequently Asked Questions About Your VisaŽ Check Card

  • How do I use my VisaŽ Check card to pay for a purchase?

    When you present your Check card for payment, you may be asked to sign a sales slip.  Other times you may be asked if you would like to use it as a Credit or a Debit.  If you use it as a Debit, you will be asked to enter your PIN number.  If you use it as a Credit, you will be asked to sign a sales slip.  Regardless of whether you use it as a Credit or Debit, the transaction will be deducted from your checking account. 

  • How do I apply for a VisaŽ Check card?

    You may stop by our main office or any of our branch locations and complete an application. 

  • What should I do if my VisaŽ Check card is lost or stolen?

    For your protection, NEVER keep your PIN number with your card.  During banking hours call (276) 546-4692. After hours call (800) 528-2273.

  • How is my card different from a credit card?

    The VisaŽ logo allows you to make purchases anywhere VisaŽ is accepted.  However, each purchase is deducted from your checking account and there are no finance or interest charges.

  • What should I do if I have a dispute with a merchant? 
  • Contact the merchant and try to resolve the dispute with them.  If you are not able to resolve the dispute with them, contact us and we will assist you in filing a chargeback dispute through VisaŽ.

  ATM and Debit Card Safety Tips

Card Security
  • Treat your card like cash.  Always keep your card in a safe place.
  • Keep your "secret code," or PIN, a secret.
  • Report a lost or stolen card at once.

ATM Security

  • Observe your surroundings before making a transaction.
  • If anyone or anything appears to be suspicious, leave the area at once.
  • If an ATM is obstructed from view or poorly lit, go to another ATM.
  • Take another person with you when using an ATM, especially at night.
  • Minimize time spent at the ATM.
  • Stand between the ATM and anyone waiting to use the terminal.

Drive-Up ATM Security

  • Keep your doors locked, windows up and engine running while in line.
  • Leave enough room between vehicles for a quick exit.
  • Before rolling down the window to use an ATM, observe the entire area.
  • If anyone or anything appears suspicious, drive away at once.
  • If anyone follows you, drive immediately to a crowded, well-lit area and call the police.

Point-of-Sale (POS) Security

  • Never let the cashier or anyone else enter your PIN for you.
  • Block the view of others when using the POS terminal.
  • Be certain the transaction is complete and review your receipt before leaving.
  • If you receive cash back from a transaction, put it away before leaving.

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