Credit Card Processing the Way It Should Be.
Lower fees, in-house service, and a real person who picks up the phone. F&M Bank handles your merchant processing from setup to support, every step of the way.
See what your current processor is charging you.
The difference is who answers when you call.
Most banks outsource merchant processing to a third party. F&M Bank does not. That one difference changes everything about your experience.
Local Service, Real People
When you call about a problem, you reach F&M Bank directly — not a national 1-800 number routed through a call center. We know your business, your name, and your needs.
We Handle Everything In-House
We're one of the only banks in the region that services merchant processing entirely in-house. That means full control over your account, faster resolution, and no finger-pointing between vendors when something goes wrong.
Significantly Lower Fees
Because we're a bank, we don't rely on interchange income to make money the way processors do. That lets us pass real savings on to you — often significantly lower than what you're paying now.
Setup & Staff Training Included
We handle the full onboarding — terminal setup, software configuration, and hands-on training for your team. You'll be up and running without the headaches, and we're always a call away afterward.
"F&M Bank saved us hundreds each month in processing fees and made the transition easy with hands-on setup and staff training. Any time we need help, our local branch handles it right away. We're thrilled we switched!"
Dr. Roman Somogy
Sigma Eyehealth Centers
Curious about credit card surcharging & Buyer's Choice?
Credit card surcharging and Buyer's Choice programs can significantly reduce what your business pays in processing costs — but they come with specific card network rules that must be followed. We'll help you quantify the potential savings based on your actual volume and keep you fully compliant with card network requirements, so any program you choose is set up correctly from day one.
Ready to get started?
No obligation. We'll review your current processing statement, show you exactly what you'd save, and handle everything from there. Setup, training, and ongoing support is included.
Get a free analysis today!
