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SafetyNet
F&M Bank's SafetyNet program provides security against life's unexpected financial situations. One never knows when life's surprises might cause you to unavoidably overdraw your account. SafetyNet can assist you in avoiding embarrassing and expensive overdraft situations. The program is easy to implement and can be added to any personal checking account.

SafetyNet will cover any insufficient balance in your transaction account up to the available amount of your predetermined credit limit, in $100 increments. A minimum payment of $20 or 5%, whichever is greater, will then be deducted automatically from your checking account each month. Or you may wish to pay the entire SafetyNet balance in full. With SafetyNet, it is no longer necessary to worry about the occasional possibility of having a check returned due to insufficient funds.

Applying is simple
To apply for SafetyNet simply follow one of the three steps below:
  1. Complete and return an application to any one of our nine convenient locations
  2. Fax a completed application to 918-748-4160, attention: SafetyNet
  3. Mail a completed application to F&M Bank, c/o Personal Lending P.O. Box 4500 Tulsa, Oklahoma 74159-0500
Rewards Checking
Better Than Free!  Introducing Rewards Checking. It's checking for savers, and it's only at F&M Bank. more>>

E-Statement Delivery

Your paper statements are replaced with electronic versions that you can download, save or print. more>>

Switch Kit

F&M's quick Switch kit can get you up and running with your new account in no time. Find out how now! more>>
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Customer Service and Account Information for all branches may be reached at 918-748-4100 or access account information anytime through PhoneBanc24 at 918-748-4300 and online through NetBanc24.