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®
FDIC-Insured - Backed by the full faith and credit of the U.S. Government
F&M Bank 
Online Banking
Download our app
Just scan the QR code and grab our mobile banking app—it’s super easy and makes banking a breeze!
Download our app
Tap the badge and grab our mobile banking app—it’s super easy and makes banking a breeze!
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.
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
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
Up to $10 cash back per month**
Two Free Additional Accounts
Complimentary consultations with F&M Mortgage and Financial Services Advisors***
Disclosures
* 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
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.