The Farmers & Merchants Bank is a business credit card from Farmers & Merchants Bank. Application typically pulls a hard report from Experian. The annual fee is $0. The ongoing APR is 17.49% to 27.49% variable, based on creditworthiness; varies with the Prime Rate (disclosure accurate as of October 13, 2026) after a 0% introductory APR on purchases and balance transfers for 6 months introductory rate for 6 months. Rewards: Unlimited 1% cash back for your business on every purchase, every day; account must be open and in good standing to access rewards. Typical credit limit: flexible limits based on creditworthiness. Loan terms: Revolving business credit card; due date at least 23 days after the close of each billing cycle; no interest on purchases if the entire balance is paid by the due date each month; minimum interest charge $1.00; balance computed by average daily balance (including new purchases). This product does not report routine activity to your personal credit (only on default if a personal guarantee is required). Processed by TCM Bank (ICBA). Primary bureau pull is Experian per myFICO community reports (https://ficoforums.myfico.com/t5/Credit-Cards/TCM-Bank-credit-cards-any-thoughts/td-p/6303273). TCM Bank is a subsidiary of ICBA Payments serving 750+ community banks and 530K+ customers. State-by-state breakdown estimated based on similar community bank processors — no crowdsourced state-level data exists for TCM specifically.