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F&M Bank’s Safety-Net program provides security against life's unexpected financial situations. One never knows when life's surprises might cause you to unavoidably overdraw your account. Safety-Net 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.

Safety-Net 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 Safety-Net balance in full. With Safety-Net, 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 Safety-Net simply follow one of the three steps below:
  1. Complete and return an application to any one of our eight convenient locations
  2. Fax a completed application to (918) 748-4160, attention: Safety-Net
  3. Mail a completed application to F&M Bank, c/o Personal Lending P.O. Box 4500 Tulsa, Oklahoma 74159-0500

See Account Rules and Regulations

Rewards Checking
Better Than Free!  Introducing Rewards Checking. It's checking for savers, and it's only at F&M Bank. 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 locations may be reached at (214) 780-2025 or access account information anytime through PhoneBanc24 at (214) 780-2024 and online through NetBanc24.