Merchant Services - Credit Card Processing and More

Important Information Regarding 2021 IRS Tax Forms: A new format is on the way for 2021 IRS tax forms issued by F&M Bank. Beginning in January, F&M will use the standard IRS format for clients receiving an IRS tax form for the 2021 calendar year. Questions? Please contact the F&M Client Care Center at (866) 437-0011.

F&M Merchant Services accepts credit and debit card payments securely from anywhere you do business, helping you increase your revenue and maximize customer convenience.

Benefits of F&M Merchant Services

No hidden fees
Supplies and equipment provided at cost
Competitive rates
Complimentary analysis and cost comparisons
Flexible processing options
Variety of payment options: Visa^®, MasterCard^®, American Express^®, and Discover^®
Online statements and reporting
Full service set up
Local support
24/7 Help Desk

Online Reporting

Multiple Reports

Bank reconciliation
Real-time authorization log
Transaction summary and details
Rejects and adjustments
Monthly billing statements
Retrieval requests and chargebacks

Accepting Payments

Chip card terminals
Mobile and wireless processing
Virtual terminal
eCommerce online processing
POS system processing

Subject to credit approval.

Some account features and benefits may be subject to separate application, agreement, fees, and/or approval. Terms, Conditions and Limitations may apply. Account features and benefits are subject to change with or without notice. For additional details, please refer to Services & Fees located at fmb.com/fees, or the agreement and disclosures provided at the time of account opening, or ask our office staff.