Card Services
Your Card on Your Terms
MasterCard Application
FMB’s Debit and Credit Cards
With FMB’s debit and credit cards we’ve combined convenience and security all while maintaining a safe, convenient way to access and manage your money. Sign up for yours today!
Mastercard Online Access

At Farmers & Merchants Bank, we understand that your financial needs are as unique as your lifestyle. That’s why we offer a range of card services designed to empower you with flexibility and control. Whether you’re managing personal expenses or overseeing business transactions, our cards provide the tools you need to navigate your financial journey with confidence. Explore our innovative features, including customizable alerts and spending controls, to ensure your money is always working for you.
Fraud Protection
- Real-time alerts keep you informed when your cards are used
- Transaction controls allow your cards to work only in specific locations or geographic areas
- When your cards are “off,” no withdrawals or purchases will be approved
Control Spending
- Set spending limits for general use or specify thresholds by merchant types, such as gas, groceries or retail stores
- Establish controls by location and change parameters via your mobile device
Review Balances and Transactions
- Monitor your finances anytime, anywhere by using the CardValet app to check your account balances or review recent card transactions
Business Use
- Use transaction controls for merchant codes, locations, transaction types and thresholds to ensure employee spending adheres to company policies
To Report Lost/Stolen Cards Call
Debit Cards: 1-800-472-3272 Credit Cards: 1-855-309-7391
Helpful Links:

Main Branch
Downtown Eatonton
100 S. Madison Avenue
Eatonton, Ga. 31024
(706) 485-9941
Monday & Tuesday: 9am to 5pm
Wednesday: 9am to 1pm
Thursday & Friday: 9am to 5pm
Saturday (Drive-Thru only): 8:30am to 12:30pm
Drive-Thru Opens Daily 8:30am

Lake Oconee Branch
Harmony Crossing
1011 Lake Oconee Parkway
Eatonton, Ga. 31024
(706) 485-9858
Monday - Friday: 9am to 5pm
Saturday (Drive-Thru only): 8:30am to 12:30pm
Drive-Thru Opens Daily 8:30am

Electronic Banking
Bank on YOUR Schedule...Not Ours!
FMB offers convenient online & mobile services:
- Online Banking
- Mobile Banking
- Mobile Deposit
- Card Hub
- eStatements
- Bill Pay
- 24/7 Deposit ATMs