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Have complete control of your company’s cashflow with F&M Bank cash management services.

  • Online Wire Transfers (3:00 p.m. cutoff time) (wire fees apply)
    • Input wire transfer instruction directly into your online banking access
  • ACH Origination (4:00 p.m. cutoff time) ($25.00/mo.)
    • Make your own ‘template’ within your online banking access, or
    • Simply upload your ACH file for
      • Payroll
      • Membership Fees
      • Account Drafts
  • Positive Pay (11:00 a.m. cutoff time for check returns) ($25.00/mo.)
    • Fraud Protection
      • Checks presented for payment are cross?referenced against a file you create containing your previously issued checks
      • Checks with identified exception will be intercepted
      • You will be contacted for further instructions
      • A full reconcilement is provided containing a numerical listing of paid and outstanding checks and all account activity
  • Sweep Accounts
    • F&M Bank also offers automated transfers between several accounts and a master account
      • Providing consolidation and collection of funds
      • Eliminating the need for manual transfers
    • Repo Accounts
      • Accounts are swept to a target balance and invested overnight in securities

Convenience & Security

  • Access accounts 24/7 with online banking
    • Password authentication
    • Assign an Administrator
      • Give rights to other employees to perform certain banking functions
      • Employees can only ‘see’ what you give them access to
  • Funds Transfer
  • ACH Origination
  • Positive Pay
  • Sweep Operating
  • Master Sweep