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Other Business Services

F&M Bank provides an array of SMART services to help your business thrive.


Merchant Services

Grow your business with merchant services from F&M Bank.

F&M partners with Banc Card of America – the industry’s leading provider – to bring customers the very best options in merchant payment processing services.

  • Banc Card partners with the top five processors in the industry, assuring you the best systems for your business.
  • Providing payment alternatives to your customers improves their experience.
  • The ability to accept credit and debit card payments from customers is critical in the merchant environment.
  • Customers appreciate the flexibility and often spend more on purchases when given credit/debit card payment options – and that increases sales revenue.
  • Adding credit and debit payment options can also reduce overhead by eliminating many of the accounting, collection and paperwork activities associated with cash and check receivables.

With over 25 years of experience, Banc Card understand technology and its impact on the needs of business customers. Their level of expertise enables them to deliver the most cutting-edge, secure and reliable systems to F&M’s business partners, including all major credit and debit cards, gift cards, mobile wallet payments and more. Plus, they’ll provide you with an outstanding customer experience - meeting with you face-to-face, shaking your hand, really listening to your needs, and customizing a plan that fits, including:

 POS Terminal | Virtual Terminal Products | Mobile Products | Specialty Cards

Need more information?


Please note that F&M Bank customers with an existing partnership with Elavon may continue accessing that platform here, Elavon Client Log-In.

Remote Deposit Capture

Our Remote Deposit Capture Service enables a business customer to scan checks from their office to the bank for deposit to their account. This feature will save you many trips to the bank and help you get your business earning more efficiently.

Ideal Remote Deposit Business Customer

P42GHz Processor:

  • 1GB RAM or 2GB RAM if using Vista or Windows 7
  • XP Pro, Vista Business, Vista Ultimate, Windows 7 Professional, Windows 7 Business, Windows 7 Ultimate, or Windows 7 64-Bit
  • High-speed USB 2.0 port
  • No minimum hard drive size

RDC Fees

  • $100 Annual Scanner Fee
  • $30 RDC Monthly Service Fee

Night Depository Services

F&M Bank provides business customers with the opportunity to make deposits 7 days a week, 24 hours a day with our Night Depository Service. This convenient service provides a secure place to put deposits after regular banking hours in Tennessee.

All business clients will appreciate having a safe place to drop off their deposits. You can rest easy knowing your work is done for the day and your earnings are somewhere safe.

  • The safety of a vault protected depository
  • Peace of mind knowing checks and cash will be safely received by the Bank
  • Convenient locations available 24 hours a day
  • Appreciate the security of knowing your check cannot be lost in the mail or stolen from a mailbox
  • Deposits are credited to your account the following business day

Beneficial Ownership

EW Beneficial Ownership Requirements for Legal Entity Customers

Your business relationship is important to us. Our goal is to make the business account-opening process an efficient and enjoyable experience for you. Effective May 11, 2018, all banks will be subject to new rules under the Bank Secrecy Act that will aid the government in the fight against crimes to evade financial measures designed to combat terrorism and other national security threats.

EACH time an account is opened for a covered Legal Entity, we will be required to ask you for identifying information (name, address, date of birth, social security number), as well as identification documentation for:

  • EACH individual that has 25% or more Beneficial Ownership in the Legal Entity; and,
  • ONE individual that has Significant Managerial Control of the Legal Entity.

If you are opening an account on behalf of a Legal Entity, you will be required to provide appropriate documentation and to certify that this information is true and accurate to the best of your knowledge.

In order to make this process as efficient as possible, we suggest that you obtain the above, bulleted information, along with a copy of the current Driver’s License for EACH identified individual. If your business will frequently be opening new deposit accounts/loans, please keep this information current and available to present EACH time you come in to establish a new account.

What You Need to Know About Beneficial Ownership

  • The new regulation impacts all legal entities opening or maintaining accounts at any financial institution.
  • Legal entities will need to identify and attest to all ultimate beneficial owner(s) that meet specific requirements as well as a controlling person (e.g., Chief Executive Officer, Chief Financial Officer, Chief Operating Officer, Managing Member, General Partner, President, Vice President or Treasurer).
  • F&M Bank will collect information regarding the ultimate beneficial owner(s) and control person of legal entities whether or not they have a personal relationship with the financial institution.

If you have any questions, please don’t hesitate to contact us at 800-645-4199.

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We are here to help.

Call us 800-645-4199

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F&M Bank would like to personalize your banking experience. Please enter your first name below.

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This level of personalization will not lead to the sale of your name or leak your identity. The information you provide will only be stored on your computer and will not be transferred to any other source.

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