Merchant Services

A person purchasing breakfast at a local bakery.

F&M Bank Merchant Services offers businesses a direct payment processing solution. In collaboration with CardConnect, a leading industry provider of technology-enabled credit card processing services, we offer the expertise and experience to meet the unique needs of all types of businesses. CardConnect shares F&M Bank’s commitment to integrity, competitive pricing and transparency, while always offering award-winning and personal client service. 

Our services include the processing of credit cards, debit cards, ACH/eCheck payments, EMV transactions, card-not-present transactions, mobile and online payments. 

Furthermore, as a client of F&M Bank Merchant Services you will enjoy: 
  • Next Business Day Funding - Mastercard, Visa, Discover and American Express
  • Weekend Activity deposited on Monday
  • One Account Statement and Deposit for all types of payments
  • Competitive Pricing with complete transparency 
  • Easy Reconciliation - What’s processed today will be deposited tomorrow
  • No Early Termination Fees - We feel we need to earn your business every day
  • Interface to all point of sale (POS) systems and terminal types
  • Personal On-Site Conversion to ensure that there is little to no impact on your business day
  • Local Support by team members who live and work in your community
  • The Strength and Stability of F&M Bank that our clients have relied on for more than 100 years

Are you interested in seeing how we stack up next to your current payment processing provider? Fill out this secure form and we will show you a comparison!

For more information on Merchant Services or F&M Bank's other business services, please email