The Farmers & Merchants Bank, MD is a business credit card from Farmers & Merchants Bank, MD. Application typically pulls a hard report from Experian. The annual fee is $0. The ongoing APR is Variable rates typically range from 12.99% to 24.99% after a 0% introductory rate for 12 months. Rewards: cash back or points. Typical credit limit: flexible limits based on creditworthiness. 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.