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Other Business Services

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


Merchant Services

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Accepting credit and debit cards is vital to survival in today's merchant environment. Not only does accepting credit/debit card payments give your customers more flexibility with payment options, it has been concluded that customers who are given the option to use a credit/debit card will spend more on their purchases than cash-only customers - thereby increasing your sales revenue.

F&M Bank has partnered with Elavon to deliver the industry’s leading merchant processing solutions. Whether you’re just starting out or already established, our broad and expansive payments experience can help you accept all major credit and debit cards, gift cards, mobile wallet payments and more. Our Merchant Services not only add credit and debit payment options that customers appreciate, but also reduce overhead by eliminating many of the accounting, collection and paperwork activities associated with cash and check receivables.

Since customer payments are automatically deposited into your F&M Bank business account, you will make the most of our full array of banking services, too.

Let us provide you with a competitive rates analysis on credit and debit card processing for Visa, Discover, and MasterCard and enrollment services for American Express.

Need more information? 

 Yes, please contact me with more information!

Learn More About F&M Bank Merchant Services


In Person

In today’s world you can run your business from anywhere – a storefront, online, over the phone, a truck, or wherever your customers go. We have the resources to help your business easily accept payments. Our vast selection of terminals and equipment allow you to accept the various forms of payment your customers may prefer, including:

  • Smart/Chip cards (EMV)
  • Mobile wallets (Apple Pay™, Google Pay™, Samsung Pay™)
  • Credit and debit swiped cards

Accepting payments anytime and anywhere is important, but so is the ability to run your business with the same flexibility. When you partner with F&M Bank Merchant Services, you get more than just the best debit and credit card acceptance solutions. Converge, our omni commerce payment solution, offers online card acceptance with recurring payment and billing and invoicing.


Mobile solutions that allow you to quickly and securely accept payments from your customers anytime, anywhere from a smart phone or tablet. Payment security does not have to be sacrificed for full payment mobility – all of our mobile payment solutions incorporate Elavon’s security measures and encryption technology to help protect your customers’ card data and help prevent losses associated with data breach events.


Whether your customers swipe, insert or tap their cards, deliver a satisfying purchase experience. Our secure, scalable payment technologies are tailored to the needs of your business and the many ways your customers like to pay. Our solutions include:


We offer all-in-one smart terminals that looks great and allow you to take the checkout to your customers. Smart terminals are ideal for retail stores, service providers, restaurants and healthcare providers and offer:

  • Wireless Freedom. Wi-Fi capabilities enables you to take the checkout (and tipping) to your customer, inside or outside your business.
  • Powerful Security. With encryption and Safe-T, your customers’ payment data is protected by the latest technology.
  • Accept All Payments. Accept all card payment types – magstripe, chip (EMV) cards, and mobile payments such as Apple Pay™ (NFC).
  • Robust, Any Time Reporting. A simple powerful dashboard that makes it easy to monitor sales, refund transactions, and settlement with one click.

When it comes to accepting payments online, it’s important to offer customers convenient payment options. Creating a simple checkout experience leads to increased sales and a better overall experience for your customer, which improves customer retention. Our online solution can help you create this experience by providing multiple ways to collect payments; Billing and Invoicing, Buy Buttons, Digital Wallets, and Recurring Payments.


Our mobile solution is ideal for many business types of any size. It accepts a full range of payment types. We’ve got you covered whether you want to accept payments from a mobile device or tablet, swipe a credit card, accept payment over the phone or just need an extra checkout option. It’s easy to set up and has bonus features including point of sale options to apply discounts, calculate sales tax, offer tip options and email customer receipts.


Does a point of sale (POS) system make more sense for your business? Your POS powers your business’ payment process, so it needs to deliver the speed, security and choice that your customers expect. Our POS and ePOS solutions are designed to be customer centric: accept all major cards and alternative payment methods and even go mobile, taking payments from anywhere in your store or restaurant.

  • Intuitive & Feature-rich. Simplify your operations without sacrificing speed. Create orders, apply discounts, manage inventory, and view reports in just a few taps.
  • Deep Analytics & Insights. Gain insights on sales trends, top-selling products, customer spend, and much more to understand your business better, drive sales, and reduce costs.
  • Safe & Secure. With EMV, Apple Pay®, and end-to-end encryption, your payment data is protected by the latest authentication and security technology.
  • Anytime, Anywhere Access. Stay connected and manage your business from the office, at home, or even on the road. All your payment data is available to you in real-time.

We offer traditional point of sale terminals that allow you to easily and securely accept card payments. A full range of payment options are supported including credit, PIN debit, gift cards, electronic benefits transfer (EBT) and electronic check service (ECS). In addition, emerging technology for PIN-based transactions as well as EMV chip cards is supported, mitigating the risk of counterfeit card fraud.


Our customer loyalty programs help you celebrate your customers whenever they shop and encourage repeat business with rewards for buying the things they love.


Our Safe-T security solution delivers a streamlined way of securely accepting card payments without the heavy burdens of complex PCI DSS compliance requirements. It can help you protect your customers’ card data with the latest encryption and tokenization technology.


Our interactive customer portal empowers you to manage all aspects of your payments business. We’ll take care of the payment activity while you focus on what you do best, growing your business!

At-a-Glance Features:

  • View anytime, anywhere – on your laptop, PC, mobile device or tablet
  • View your interactive online statements
  • View your sales, funding, and payments activity
  • Order supplies for your products
  • Get help and see product videos
  • Access timely and relevant news and alerts
  • Securely contact us and provide feedback

Get started today by visiting your local branch, call us at 1-931-303-7625, or click here for us to reach out to you with more information.

Subject to Approval. Services provided by Elavon.


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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