Treasury Management Services

ACH Services

• Pay vendors
• Process employee payroll
• Schedule cash disbursements

Electronic Services

• Fast and secure suite of online services for F&M business customers
• Includes online banking, mobile banking, remote deposit capture, and more
• Instant access to deposit, savings, and loan balance information

Fraud Detection Services

• Catch fraudulent activity before the money leaves your account
• Positive Pay sends alerts when a mismatch occurs
• You decide whether or not to approve the payment

Health Savings Account (HSA)

• Provide great benefit to employees
• Helps retain and attract good employees
• Employer contributions are tax deductible*

Merchant Services

• Provide additional payment options for your customers
• Accept major credit and debit cards for increased versatility
• Boost your bottom line by making it easier for people to pay you

Sweep Services

• Keep your money working for you, automatically
• Maximize interest earnings or save on interest expense
• Full deposit balance eligible for FDIC protection

Business Checking Account Comparison Chart

Business EZ Overdraft Protection

• Avoid overdraft fees
• Extend cash flow
• Protect your credit

Treasury Management Package Solutions

• Add efficiency to your business
• Pay bills, complete ACH transactions, wire funds, and much more
• Choose from a number of affordable packages to suit your specific needs