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Think of every swipe as a reward in the making — BonuSelect Cash Back pays 5.00% cash back on debit card purchases!*

Key Features

High Interest Rewards

ATM Refunds

Digital Banking


  • Free checking that pays you back
  • 5.00% cash back on debit card purchases*
    • Cash back earned on up to $200 in purchases monthly
    • Earn up to $120 cash back per year, $10 per month
    • No category restrictions on purchases
  • Refunds on ATM withdrawal fees, nationwide (up to $20 monthly)*
  • Link to free BonuSelect Saver account to build savings automatically 
  • No minimum balance to earn rewards
  • No monthly maintenance fees
  • Free digital banking services
  • Free EMV debit card
  • $50 minimum deposit to open

Here’s How You Qualify

Enrollments must be in place and all of the following transactions and activities must post and settle to your BonuSelect Cash Back Checking account during each Monthly Qualification Cycle:

  • At least 15 debit card purchases
  • Be enrolled in and review eStatements

That’s it. Even if you don’t meet your qualifications during the cycle, your BonuSelect Cash Back Checking account is still free. And you can get right back to earning your cash rewards the very next month!

*Cash Back Account – Receive 5% cash back up to $10 on purchases made with your F&M Bank debit card during each cycle. See BonuSelect truth in savings disclosure for more details of other benefits and qualifying requirements. These APYs are current as of 12/01/18.  Fees may reduce earnings.