Drive More Sales With Our Merchant Account Services.

F&M Bank offers merchant account services to businesses accepting or looking to accept credit and debit cards as payment. With credit card use on the rise, our merchant services give you the opportunity to increase your sales at affordable rates for both small and large businesses. Local support from our conveniently located branches means you get the help you need when you need it.

We Modernize Local Businesses.

F&M Bank provides the most current point-of-sale (POS) terminal options and advanced payment solutions available to simplify your customer’s experience and streamline your sales process. At affordable rates to meet your budget, our system lets you process payments through your:

  • Terminal
  • Telephone
  • Personal computer

We offer guided service from a knowledgeable team ready to assist your business with the best ways to maximize your profits while minimizing your costs.

Are You Ready For F&M Bank Cash Management?

Here’s how to sign-up:

  • Authorization.

    An authorized person from the business signs an enrollment form. This needs to be someone whose name is on their business resolution and has rights to access all bank accounts.

  • Administration.

    An “administrator” is designated. This is the person who will have full access and authority over all the online banking functions.

  • Protection.

    We issue a password to the administrator. Someone from the bank will help the administrator get familiar with the various functions.

  • Adjustments.

    The administrator can then set up employees as users with various levels of access and change access as needed with F&M cash management.

F&M Bank Keeps A Close Eye So You Rest Easy.

We offer fraud and technical support to every business service we offer. Your local team provides monthly statements and reports, chargeback and fraud assistance, and technical support for all POS terminal options and accounting features. The success of your business fuels growth and prosperity in our community, making it a better place for our whole team.

If our bank processes credit card payments for your business, you have a PCI security compliance requirement which is done online. Each merchant needs to log in to a secure website to complete the procedures.

Existing customers received a letter in November 2009 which contained login information. New customers receive login information soon after they open their merchant bankcard account.

Every merchant who stores, transmits or processes cardholder information is required to maintain compliance with the PCI DSS (Payment Card Industry Data Security Standard). In support of this important industry mandate, we require all merchants to validate their PCI DSS compliance status with us. This validation must be done on an annual basis. If you haven’t already done so or if it has been a year since you last validated, please visit: https://www.pciapply.com/pci2/pci_fihd_login.aspx Failure to certify and maintain PCI Compliance may result in significant fees and fines. Please feel free to contact the PCI Compliance Helpdesk at (877) 277-1176 if you have questions or need assistance in any way. We appreciate your prompt attention to this important matter!
Contact the PCI Compliance Helpdesk at (877) 277-1176 if you have questions or need assistance in any way. We appreciate your prompt attention to this important matter!

Let Us Help You Get Started.

Are you ready to implement merchant account services into your business or switch to F&M Bank? Simply contact or visit one of our locations or make an appointment to get started! Our experienced team will walk you through the process of growing your sales and our local economy. Sign-up for merchant account services today!

Have Questions? Get In Touch

540-896-8941
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