Personal Cash Back Plus

Select F&M’s Cash Back Plus Checking and earn high interest on your account balance.  Save more, earn more. Enjoy nationwide ATM fee refunds and easy cash back!


  • Earn 1.00% APY on your daily account balance
  • 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 $18 per month
  • 4 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 high-powered account 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 $14.95 monthly fee.   

  • Set up and maintain direct deposit into your Cash Back Plus Checking Account
  • Maintain a minimum daily balance of $5,000 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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