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Take advantage of our F&M debit card rewards program, UChoose Rewards®, which delivers more reward choices than ever! Choices such as … electronics, merchandise, travel options, restaurant and merchant gift cards, cash back, coupons and more!


How Does It Work?

First, you must register your F&M debit card(s) for UChoose Rewards program.  Next, select “credit” and sign your transactions to earn UChoose Points when making purchases with your F&M debit card. 

  • Earn 1 point per $2 spent on all signature transactions with your F&M Bank VISA® debit card

Finally, redeem your points for the UChoose Reward of your choice. 

Everything you need, from registration to redemption, will be available on

  • Earn even MORE points when you shop at participating retailers through
  • Find a complete list of in-store and online-only retailers, and an access search tool.  Don’t forget to search for local merchants.
  • Select from a full online catalog of redemption options.
  • Create a “Wish List” to track the items you really want.
  • Receive smart shopping advice to help you spend your points wisely … and much more!

Need more information?  Stop by your local F&M office or call Customer Service 800.645.4199
(931.645.2400 for Clarksville - Montgomery County, TN residents).
Register Here Today!