The Merchants & Farmers Bank of Greene County is a business credit card from Merchants & Farmers Bank of Greene County. Application typically pulls a credit report from TransUnion. The annual fee is $0 introductory annual fee for the first 12 months. After that, $95 for Account Owners and $0 for Authorized Employees.. The ongoing APR is 18.49% to 25.49% based on your creditworthiness when you open your account; this APR will vary with the market and is based on the Prime Rate (terms accurate as of 10/2026) after a No introductory APR introductory rate. Signup bonus: 20,000 bonus Points after eligible Net Purchases totaling $500 or more on the Authorized Officer's Card within 90 days from account opening. Rewards: 1 Point per dollar on eligible Net Purchases; 2 Points per dollar in your top 2 highest spend categories each billing cycle; 5 Points per dollar on prepaid car and hotel reservations purchased in the Travel Center.