Personal Cash Back

F&M’s Cash Back Checking pays you back for daily card transactions.  The more you swipe, the more you save! Enjoy nationwide ATM fee refunds and easy cash back.


  • Earn up to $10 cashback each month.
    • Every $200 spent with your F&M Bank debit card, earns $1 back.
  • Free Nationwide ATM Access
    • ATM Fee refunds up to $9 per month
  • 2 Free additional accounts
  • Free Online & Mobile Banking
  • Free Visa Debit Card*
  • Free e-statements ($2 mailed statements)
  • Free consultation with an F&M Mortgage Advisor
  • Free consultation with an F&M Financial Services Advisor
  • $10 minimum deposit to open
  • Complimentary identity theft protection

This cash back account can not only pay for itself with your normal everyday expenses, it can be a free account! How?  

Forget the days of needing to meet multiple requirements to benefit from your account; this account only requires one qualifier to receive the benefits of a free account. Satisfy any one (1) of the below actions to avoid the $9.95 monthly fee.

  • Set up and maintain direct deposit into your Cash Back Plus Checking Account
  • Maintain a minimum daily balance of $1,500 or more
  • Maintain F&M Savings Account, Money Market Account, or Christmas Club account
  • Maintain a personal loan or Home Equity Line of Credit with F&M Bank

*one free debit card is issued per year.

Have Questions? Get In Touch

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