Debit Cards

Leverage the Funds in Your Checking Account

Conveniently withdraw cash from an ATM or make online or in-person payments direct from your checking account with your own First Exchange Bank debit card. And when you sign up for a debit card with First Exchange Bank, you can enjoy a few additional perks including firstCashback Rewards and Round Up.

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

Debit Card Frequently Asked Questions

There are two ways to activate your new card:

  • Use the card with your PIN at any ATM or merchant location OR
  • Call: 866-392-9952

To report your card as lost or stolen, call one of the following numbers:

  • 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.

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.

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.

firstCashback Frequently Asked Questions:

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 account holder’s account.

Visit to register your First Exchange Bank debit card.

To receive cash back you’ll need:

  • 5,500 points for $50.00
  • 8,000 points for $75.00
  • 10,500 points for $100.00

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.

Personal checking account holders may order rewards at any time as long as their account is in good standing and points are redeemable from the 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.

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 the 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.

You can call the firstCashback Reward headquarters at (844) 334-3815 with any questions.

Start Enjoying the Benefits of a First Exchange Bank Debit Card Today!

Whether you need to access your money after hours or when out of town, want to enjoy the convenience of card shopping without applying or using a credit card, or simply want an additional payment option, First Exchange debit cards are an important financial management tool—and are offered for free with your First Exchange checking account.

Ready to enjoy the many benefits of a debit card with First Exchange Bank? Stop by one of our branch locations in White Hall, Mannington, Morgantown, Hundred, Fairmont, or Fairview to learn more about our debit card offerings, open a checking account, or apply for your own First Exchange debit card today!