Modernize Your Farmers Market Nutrition Program
The Farmer's Market Nutrition Program (FMNP) is a simple, card-free way for participants to use their state food benefits. Central Bank’s eFMNP system includes a website for program staff and a mobile app that helps WIC FMNP and Senior FMNP programs give out and manage electronic benefits.
How the Program Works

Verify
Participants and vendors are securely registered by state agencies via web portal or upload.

Load Benefits
State staff distribute funds to participant wallets—accessible via mobile app, printed QR code, or optional benefit card.

Spend
Participants visit approved vendors to purchase their goods. They can pay via mobile app, printed QR Code, or their card.

Redeem
The farmer scans the customer's QR code, enters the purchase amount, and gets a confirmation showing the customer's balance before and after.

Deposit
The system will make all necessary deposits for farmers that redeemed funds and will deposit the funds in their account.

Report
Real-time dashboards and exportable reports keep agencies informed and in control.
Making Farmers' Market Benefits Easier for Everyone
Painless Implementation for State Agencies
- Web-Based Admin Portal for agencies
- Mobile App for Participants and Farmers
- Customizable Cards and QR Codes (if desired)
- Secure Role-Based Access Control
A Quick, Seamless Experience for Farmers and Vendors
- Dedicated project manager and support team
- Custom training materials for state staff, vendors, and participants
- Full onboarding, launch support, and ongoing enhancements based on user feedback
Flexible Options for Participants
Why Choose Central Bank?
We're more than just great rates — we're your neighbors, and we're here to help.
USDA-Approved Vendor
Central Bank is one of five authorized USDA vendors for the administration of electronic farmer's market systems.
Proven Performance
Successfully implemented eFMNP solutions in Missouri, Ohio, Mississippi, Nebraska, and Pennsylvania.
Government Expertise
We have over 50 years serving public agencies with banking and payment solutions.
Fast Deposits and No Costs to Farmers
There are no direct costs for participating vendors. Farmers receive funds within 1–2 business days.
Ready to Start Your FMNP Program?
The Team Behind Us:

Kari Less
Vice President and Sales Manager

Zoie Francisco
Project Manager; Online Portal, App Vouchers, Cards, Training

Calvin Fabre
Technology Specialist and Sales Partner
Upcoming Program Enhancements
Online Applications through Homegrown Benefits
Auto-creation of participant profiles from applications
Farmers Market Location Maps
