Bucks Back Checking

Bucks Back Checking

Bucks Back Checking pays you just for shopping! Earn $5 cash back per month when certain qualifiers are met, and take advantage of the additional features and benefits including a free debit card, free online statements, unlimited check writing, and more! Open your account today or visit your nearest F&M location to start earning your Bucks Back rewards!

Open your new Bucks Back Checking account today!

Please choose from one of the following options.
If you are an existing customer, please click “Open a New Account” when logged into online or mobile banking.

  • Free Online & Mobile Banking

    Manage and control your finances in just a few clicks or on the go. Securely access your account and manage expenses 24/7.

  • Nationwide ATM Fee Refunds

    Receive fee refunds on your ATM withdraws nationwide. *Up to $10 monthly.

  • Low $5 Monthly Service Charge

    The monthly service charge is waived when qualifiers have been met during each monthly statement cycle.

It’s Easy To Earn Cash Back!

To earn your cash back rewards, meet the following qualifiers during each Monthly Statement Cycle:

  • 20 POS Debit Card Transactions per monthly statement cycle
    (PIN or Signature). *Must post and settle
  • Be enrolled in eStatements

Meeting the qualifiers couldn’t be easier! After all, you’re probably doing most of these already!

  • Disclaimers
  • Minimum to open the account is $50. No minimum balance is required to qualify for bucks back and ATM fee refunds. If qualifiers are met each monthly statement cycle:  (1) Earn $5.00 during the Monthly Statement Cycle and (2) Receive refunds up to $10.00  for nationwide ATM Fees assessed by our bank and other banks during the Monthly Statement Cycle. Cash back payments will be credited to the account at the end of the Monthly Statement Cycle. ATM fee refunds will be credited to the account the next business day after the qualifiers have been met for each month.  When Bucks Back Checking qualifiers are not met during a Monthly Statement Cycle, no cash back payments are made on debit card point of sale purchases and ATM fees are not refunded. A Service Fee of $5.00 will be charged each monthly statement cycle when qualifiers have not been met. A Monthly Statement Cycle runs from the day after the last business day of the month to the last business day of the following month. This account is intended to be used as the accountholder’s primary checking account in which payroll transactions and day-to-day spending activities are posted and settled. The account’s debit card is expected to be used frequently throughout each month and for transactions and amounts to reflect a wide dollar range. The bank reserves the right to determine if this account is being maintained for a purpose other than primary, day-to-day use. Requires  a valid e-mail address. This account is not to be used for commercial purposes. There is a limit of one (1) Bucks Back account per household. At our discretion, rewards may change at any time after account is opened. Account approval, conditions, qualifications, limits, timeframes, enrollments, log-ons and other requirements apply.