FDIC-Insured - Backed by the full faith and credit of the U.S. Government
F&M Bank
Man and dog camping by lake.

Cash Back Checking

No heavy lifting required to earn cash back rewards.

Put extra money in your pocket by making everyday use of your F&M Bank Visa®








Our rewards checking account is an easy
way to add to your monthly income.

 
Just get in the habit of tapping or swiping your debit card anytime you buy gas, groceries and other necessities in Shenandoah Valley, Virginia, or anywhere else.
And when you need to manage those dollars you've earned, take advantage of free Online and Mobile Banking tools for 24/7 account access.

$10 minimum deposit to open

No monthly service charge if one of the account waivers is met*: 
  • Set up or maintain direct deposit into your Checking Account
  • Maintain a minimum daily balance of $1,500
  • Maintain an F&M Savings Account, Money Market Account, Christmas Club, Personal Loan, or Home Equity Line of Credit  


Free Mobile Banking and mobile check deposit

Free Visa debit card for everyday purchases**

Free e-statements ($2 for mailed statements)

Access to a nationwide ATM network

Access to F&M Bank's Financial Health Suite

Up to $10 cash back per month***

Two Free Additional Accounts

Complimentary consultations with F&M Mortgage and Financial Services Advisors****



Disclosures
*$9.95 Monthly Service Fee if no account waivers are met 
** Free Visa debit card for everyday purchases. One free debit card is issued per year
*** Up to $10 cash back per month (Every $200 spent earns $1 back)
**** Complimentary consultations with F&M Mortgage and Financial Services Advisors in Shenandoah Valley, Virginia







Online account opening.



iOS and Android Users

Download the F&M Bank app on your mobile device.

Ready to get started?

Open your new account in just a few minutes. Secure, seamless, and designed to fit your life. Banking the way it should be.