• Online Banking & Bill Pay

    Online Banking & Bill Pay

    • More flexibility and convenience for your business accounts.
    • Access your accounts online — anytime, any day!
    • Check balances, make transfers, track history, and more.

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  • ACH Services

    ACH Services

    • A valuable time-saving service for business owners.
    • Set up direct deposit and direct debit.
    • Add efficiency to accounts receivable, payable, and payroll.

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  • Remote Deposit Capture

    Remote Deposit Capture

    • Securely capture checks and create electronic deposits.
    • Automated system reduces errors, helps prevent fraud.
    • Process payments faster, even when the bank is closed.

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  • Business Online Payroll

    Business Online Payroll

    • Easy-to-Use Online Payroll Service for businesses with 1 to 100 employees
    • Process Online Payroll in Minutes Anytime, Anywhere
    • Taxes Filed and Paid for You

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  • Merchant Services

    Merchant Services

    • Accept all major credit cards
    • Local representative
    • Customized solutions to meet your business needs

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  • eStatements


    • Save time, money, and paper with monthly eStatements.
    • Faster and safer than printed statements in the mail
    • Easy to read, download, or print as needed.

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  • Surcharge-free ATMs

    Surcharge-free ATMs

    • Quit paying ATM fees to other institutions.
    • Over 20 F&M surcharge-free ATMs in our area.
    • Conveniently available anytime.

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  • Business Debit Card

    Business Debit Card

    • Accepted at millions of merchant locations worldwide.
    • Safer and more convenient than using cash or checks.
    • Facilitates expense tracking and business travel.

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  • Additional Business Services

    Additional Business Services

    • All the services you need to make F&M your one-stop bank.
    • Night deposit, wire transfers, teller services, reorder checks.
    • Telephone banking number, lost card resources, and more.

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