Credit & Debit Cards

Credit & Debit Cards

We understand that carrying cash can be inconvenient. That’s why we offer both credit and debit cards to our customers. Choose which option works best for you or select both.

Credit Cards

Our Visa® Rewards Platinum credit card offers hometown convenience, worldwide acceptance and great benefits. 

  • Competitive Rates
  • Reward points for merchandise and travel. Visit cRewardsSM at for details. 
  • Tickets good on any airline with no blackout dates 
  • Chip Card Security 
  • Fraud Monitoring and Zero Fraud Liability
  • Personal service from people you know 

Apply Now

Debit Cards

Leverage the funds in your checking account when you apply for a debit card. Withdraw cash from an ATM or pay for goods and services directly.

First Exchange Bank customers can enjoy a few additional perks that you won’t find with traditional debit cards. Benefits of our debit cards include Round Up and firstCashback Rewards. 

Round Up

Are you looking to save a little more money or maybe you are looking to give a little more back to your community? First Exchange Bank has an easy way to make your everyday purchases do both with Round Up.

Round Up from First Exchange Bank allows debit cardholders to round up every point of sale transaction to the next dollar (or dollar increment). You can choose to round up and deposit the extra amount to your First Exchange Bank savings account that is linked to your debit card or donate the amount to a charity of your choice utilizing First Exchange Bank’s online giving platform,

What is is First Exchange Bank's online giving platform. collects your rounded-up transactions and lets you pick from a wide range of national, regional, and local charities to donate your rounded-up balance. 

First Exchange Bank's Portal

Featured local charities on

  • United Way of Marion and Taylor Counties
  • United Way of Monongalia and Preston Counties
  • United Way of Harrison County
  • Operation Welcome Home
  • Mon Valley Habitat for Humanity
  • The Pantry Plus More, Inc.
  • Marion County Humane Society 
  • Monongalia County Humane Society
  • Harrison County Humane Society
  • Mountaineer Spay and Neuter Assistance Program
  • Pace Enterprises
  • Workable Industries, Inc.
  • Hundred Volunteer Fire Department
  • Milan Puskar Health Right

How Do I Sign-Up?

First Exchange Bank debit cardholders can sign-up for Round-Up by contacting one of our 6 locations or clicking the link below to get started.

Sign-Up Here

firstCashback Rewards Program

Want to earn rewards just by using your First Exchange Bank debit card on everyday purchases? Rack up points by signing up for our firstCashback Rewards Program at

Frequently Asked Questions:

What is firstCashback?
Personal checking account holders registered with firstCashback Rewards can earn 1 point for every $2 spent on signature based transactions just by swiping their First Exchange Bank debit card. Earned points can be redeemed for a variety of items, such as cashback, gift cards, or Fuel Rewards at participating BP, CITGO, and Shell fuel stations.*

*A qualifying purchase transaction means a transaction that is charged to an eligible debit card account covered by firstCashback Rewards Program and a transaction that appears on the account holder’s statement during their statement cycle. Points will be deducted for returns. No points will be earned for finance charges, fees, cash advances, convenience checks, ATM withdrawals, foreign transaction currency conversion charges or insurance charges posted to the account holder’s account. Points have no cash value and cannot be exchanged for cash or credit; used with any other offer, promotion or discount; combined with cash to obtain any rewards; or, earned from or transferred to any other credit and/ or debit card, account or rewards program, unless otherwise specified. Point requirements assigned to any reward and rewards substituted are subject to change at any time without notice. Should a reward be discontinued, it will be replaced with a reward at equal or greater value or if no suitable substitution is available, the account holder will be advised to make an alternative selection or points may be returned to the accounts holder’s account.

How do I sign up?
Visit to register your First Exchange Bank debit card.

How many points do I have to earn for cash back?
5,500 points for $50.00; 8,000 points for $75.00; 10,500 points for $100.00

How do I check my points?
Point balances are available at or at 844-334-3815.*

*The personal checking account holder’s firstCashback Rewards Program earnings statement will include the number of points earned. Points do not expire. In the event the account holder redeems unearned points, the account may be charged for the actual cash difference between the cost of the reward redeemed and the net value of the actual points available in the account.

When can I order a reward?
Personal checking account holders may order rewards at any time as long as their account is in good standing and points are redeemable from account as of the date the account holder’s redemption is processed.*

*Account must not be cancelled, closed, blocked, suspended, inactive, in delinquent, in default, or unavailable for the account holder’s use as a payment method at the time of firstCashback Rewards reward is being processed.

How do I order a reward?
Once logged in, account holders may shop rewards by clicking the “Browse Catalog” link on the login page. Rewards can be ordered using the online shopping feature at, calling customer service at (844) 334-3815, or printing an order form from If ordering a gift with the printed form, complete the form including all information requested and mail to the address printed on the form. Points for Fuel Rewards at participating BP, CITGO, and Shell fuel stations can be redeemed at the time of purchase.

How do I receive my rewards?
Cash rewards can take up to 5-7 days to become available within your account. Fuel Rewards at participating BP, CITGO, and Shell fuel stations can be redeemed at the time of purchase. Gift cards will be delivered within 4-6 weeks of processing order.*

*If account holder has an APO, U.S. eligible territory or internal address, please contact ScoreCard® Reward Headquarters for details regarding merchandise options and shipments before ordering. Account firstholders with a P.O. Box address will need to provide a different mailing address or contact ScoreCard® Reward Headquarters. A reward received defective may be returned to the shipper for replacement within 30 days of delivery with parts, instructions, warranty cards, and original packaging materials.

Who should I contact with questions about firstCashback Rewards Program?
Call Reward Headquarters at (844) 334-3815.

To Activate An ATM/Debit Card

You may first use the card with your PIN at any ATM or merchant location. 


You may call: 866-392-9952

Report a Lost or Stolen ATM/Debit Card

Business Hours: 304-534-7200

After Hours: 800-236-2442

*See the card application's Important Disclosures for current terms, rates and fees. This card is issued by TCM Bank, N.A. Subject to credit approval.

What Is The Daily Limit For My ATM/Debit Card?

Generally the Daily Limit per card is $2,500 for merchant purchases and $500 for ATM withdrawals. The limit resets at midnight each day. If you need your Daily Limit raised, you may call any of our bank locations during regular business hours.

How Do I Dispute an ATM/Debit Card Transaction?

Charges can be disputed in person or by phone. To submit a dispute by phone, please call one of our locations during regular business hours. You will also be required to sign documentation for the dispute in person at any of our local locations.

Partner with your North-Central West Virginia Community Bank!

First Exchange Bank is proud to serve individuals and families in the communities of  White Hall, Mannington, Morgantown, Hundred, Fairmont, Fairview and beyond. Our personal banking team is committed to delivering exceptional personal service to each of our customers. Contact us today or visit your nearest location to apply for your debit card and earn great rewards with our firstCashback Rewards Program! Apply online to enjoy a community bank credit card with big rewards. 

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