Business Services
Farmers & Merchants Bank Business Services
Running a successful business requires more than hard work—it requires the right financial partner. At Farmers & Merchants Bank, we provide a full suite of business services designed to simplify your operations, strengthen cash flow, and position your company for growth. Whether you’re a small business, a growing enterprise, or a long-standing organization, our team is here to deliver local expertise with personal service.
Business Services Offered
Merchant Services
Whether you operate a retail shop, restaurant, medical office, or professional service firm, our merchant solutions are designed to help you get paid faster, reduce costs, and enhance your customers’ experience.
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Quicken® and QuickBooks® Integration
Managing your finances is easier than ever with Farmers & Merchants Bank. Export your Farmers & Merchants Bank account history directly into Quicken® or QuickBooks® in just a few clicks!
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Farmers & Merchants Credit Card powered by TCM
Built for Local Business. Flexible credit solutions from Farmers & Merchants Bank that help you spend smarter, protect purchases, and keep your cash flow moving.
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E-Statements
Enjoy faster, safer, and more convenient access to your monthly account statements—delivered directly to your online banking in PDF format. Learn More >
Merchant Services
At Farmers & Merchants Bank, we understand that accepting payments is the lifeline of your business. That’s why we’ve partnered with USB Payment Processing to deliver reliable, secure, and affordable merchant services tailored to local businesses.
Whether you operate a retail shop, restaurant, medical office, or professional service firm, our merchant solutions are designed to help you get paid faster, reduce costs, and enhance your customers’ experience.
Key Benefits
- Flexible Payment Options: Accept all major credit and debit cards, EMV chip cards, and contactless payments like Apple Pay®, Google Pay™, and Samsung Pay®.
- Secure Transactions: Advanced fraud prevention tools and PCI-compliant security keep your customers’ data safe.
- Fast Funding: Enjoy quicker access to your funds with efficient settlement times.
- Competitive Pricing: Transparent, affordable processing rates with no hidden fees.
- Businesses Insights: Detailed reporting and analytics to help you track sales, manage cash flow, and grow your business.
- Local Support: Backed by Farmers & Merchants Bank’s trusted relationship banking, with a dedicated USB merchant services team ready to assist you.
Why Choose Farmers & Merchants Bank + USB?
By combining Farmers & Merchants Bank’s commitment to our community with USB’s national expertise in payment processing, your business gains the best of both worlds: local, personalized service and world-class payment technology.
Whether you’re looking to streamline in-store checkout, expand to online payments, or add mobile payment capabilities, we’ll customize a merchant services package that fits your needs.
Quicken® & QuickBooks® Integration
Managing your finances is easier than ever with Farmers & Merchants Bank. We offer seamless connectivity with Quicken® and QuickBooks®, giving you the tools to organize, track, and manage your money—whether for personal use or your business.
- Quicken®: Perfect for personal money management. Download your Farmers & Merchants Bank account activity, categorize spending, and create budgets to stay on top of your financial goals.
- QuickBooks®: Designed for business owners. Streamline your bookkeeping by importing transactions directly from your Farmers & Merchants Bank business accounts, simplifying invoicing, payroll, and financial reporting.
Benefits
- Secure transaction downloads
- Simplified reconciliation of accounts
- Better insight into cash flow and spending patterns
- Time-saving tools to manage both personal and business finances
Need help getting started? Our team is here to walk you through setup and ensure you get the most out of your Quicken® or QuickBooks® connection with Farmers & Merchants Bank.
How It Works
Farmers & Merchants Bank’s Internet Banking service supports current versions of web-connect Quicken® and QuickBooks®. Exporting your account information is simple:
- Log in to Internet Banking
- Navigate to the Account History link
- Select the Export History tab
- Choose Quicken® or QuickBooks® as your export option
Your transaction history will be securely transferred to your personal or business accounting application—giving you an accurate, up-to-date financial picture.
Secure & Reliable
Farmers & Merchants Bank is committed to delivering secure, efficient banking solutions. With Quicken® and QuickBooks® connectivity, managing your finances has never been easier.
Farmers & Merchants Credit Card powered by TCM
Whether you need a business card with spend controls and reporting or a personal card with rewards and fraud protection, Farmers & Merchants Bank Credit Cards powered by TCM gives you the features you want, with the hometown service you expect.
Key Benefits
- Competitive & Flexible: Competitive interest rates and flexible credit limits tailored to local businesses and residents.
- Reward Options: Cash back or points to help you earn on everyday purchases.*
- Robust Security: EMV chip, contactless payments, and real-time fraud alerts.
- Mobile Wallet: Compatible with Apple Pay, Google Pay, & Samsung Pay.
- Card Controls & Alerts: set spending limits, merchant controls, and receive instant transaction notifications.
- Safer Online Purchasing: Virtual card numbers and single-use tokens for safer online purchasing.
- E-Statements: Detailed e-statements and downloadable transaction history for easier accounting and reconciliation.
*Rewards program details and eligibility vary by card. See disclosures for full terms.
E-Statements
At Farmers & Merchants Bank, we’re always looking for ways to enhance your banking experience by combining the latest technology with the personalized service you’ve come to expect from your community bank.
Our new e-Statement service delivers your monthly account statements—complete with check images—securely and conveniently in PDF format. Instead of waiting for paper statements in the mail, you’ll receive a secure email notification letting you know when your statement is ready to view.
Benefits
- Convenient: Access your statements anytime, anywhere with online banking
- Downloadable: View and save statements in a safe, convenient PDF format
- Eco-Friendly: Reduce paper clutter while helping the environment
- Quick: Enjoy faster delivery compared to mailed statements
Sign up today and experience the convenience, security, and reliability of e-Statements—backed by the trusted service of your community bank.
Ready to help your business grow?
Contact one of our business banking specialists today to learn how Farmers & Merchants Bank can help your business grow.