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Business Express
Business Express Internet Banking service is the access point for management of your financial world.  Whether it comes to moving funds electronically, monitoring your accounts, or transferring files, Business Express can do it all.  All previous and current day information including balances with float information, transactions, and check images can be viewed from any Internet connection. Click here to visit our Business Express Internet Banking page for more detailed information.


Other features include:
  • Express Transfer
  • Book Transfers
  • Bill Payment
  • Stop Payment
  • Loan Information and Payments
  • Report Downloads
  • File Uploads
  • Wire Transfers
  • ACH Transfers
    (Some Services require risk approval.)

Check Imaging

The world is becoming continually more reliant on electronic information flow and less reliant on distributing paper.

Laws are changing which will allow banks to simply trade images of checks in the near future rather than passing paper items.  We are ahead of the curve and working hard for you by imaging every item passing through our bank.  Join the movement by accessing images of your checks via Business Express or our monthly CD-ROM service.

Our CD-ROM Check Imaging service places all of your paid checks and your monthly account statement onto a CD-ROM.  This allows you to save storage space and speed up your reconciliation and research of old items.  The images can be retrieved and displayed on your computer, viewed, printed or cut and pasted to any other program.  CD-ROM Check Imaging allows you to reduce storage expense and reduce research time while providing high quality images to vendors and clients.

Still want to reduce the storage space your old checks occupy, but not interested in a high tech solution?  Our image-rendered statements come with both sides of multiple checks printed on each page saving you significant storage space vs. boxes of checks.

Get the picture!  Let us know how we can image your items.


Zero Balance Accounts
Eliminate excess balances in multiple accounts and forget about the need to make periodic transfers by establishing Zero Balance Accounts.

Link one or more accounts to your main checking account.  During the business day, activity in your accounts will result in a positive or negative intra-day balance.  At the end of the day, we tabulate all transactions and move funds sufficient to bring all of your sub accounts back to a zero ledger balance.  End of story.  No worries on your part about which account to move the funds to that day, just make sure your main concentration account has enough funds for all of your daily activity.  The most populate use of this service is for Payroll Accounts.

 

Account Reconciliation
Speed your account reconciliation and improve your audit procedures with our Account Reconciliation service.

Our Account Reconciliation service can virtually eliminate the labor-intensive tasks of reconciling checks clearing your accounts. Our team examines your account for accuracy and delivers carefully prepared paper or electronic information to your staff. We offer two levels of service depending on your needs and ability to provide us with check issue information electronically. Information is available in both paper and electronic formats.

Do you make deposits to your account for multiple departments or locations? Eliminate the need for multiple depository accounts and improve your audit controls with our Deposit Reconciliation service. It can provide you with organized reporting of your daily activity by location. Perfect for speeding reconciliation and identifying issues such as internal fraud.

 

Sweep Account
Our Automatic Sweep service can help to maximize your daily investment earnings on excess funds in your checking account
.

Together we set a target balance to maintain in your checking account.  Then each night after all of your daily activity settles to your account, we move funds above this target balance into the overnight investment of your choice.  In the morning, all funds are back in your account for that day's activity.  Simple, quick, efficient.

Questions about our Treasury Management Services?  Call Commercial Client Services at 1-800-946-2264 or send us a
secure e-mail
.