High Treasury Fees? Get One Flat Rate with F&M Bank
Whether you’re a small business or managing multiple locations, you’ll likely need more than just a business checking account. At F&M Bank, we offer a range of additional services, including Treasury Management, to help you streamline your business finances. From automated payment processing to fraud prevention and check management tools, we provide the tools you need to stay secure and efficient.
Solutions Without Surprises
Discover personalized Treasury Management solutions with no hidden fees. With F&M Bank, enjoy pricing that helps your business run smoothly and efficiently — just as you envisioned.
Business Online Banking: $25 per month*
Your Gateway to Smarter Financial Management
Business Online Banking gives you full control over your finances with time-saving tools like real-time account management, mobile deposit, easy bill payments, and access to additional services such as ACH origination, wire transfers, and fraud prevention.
*Must have the Business Online Banking product before you can begin to add on each additional Treasury Management Service.
ACH Credit & Debit: $10 per month
Streamline Payments, Enhance Security
Manage cash flow by automating payments and collection with ACH Credit & Debit services. With ACH Credit & Debit, eliminate the need for paper checks by paying bills, vendors, and employees through secure automation. ACH origination reduces the risk of fraud and ensures safe, more efficient transactions.
Wire Transfer: $10 per month*
Fast, Convenient, and Secure Fund Transfers
Easily send funds without ever visiting the bank! With our Wire Transfer service, you can initiate transfers directly through Business Online Banking, sending funds to accounts at FM Bank or other financial institutions effortlessly. Transfers can be scheduled immediately or for a future date.
*Individual wire fees are still applicable.
Check Positive Pay: $10 per month
Protect Your Business from Check Fraud
Check Positive Pay is a fraud prevention tool and check management system designed to protect your business against the growing threat of check fraud. With Check Positive Pay, review and decide which checks should be approved or rejected during the reconciliation process, detecting and preventing unauthorized or altered checks before they impact your account.
ACH Positive Pay: $10 per month
Secure Your Accounts from Unauthorized ACH Transactions
ACH Positive Pay offers advanced protection against unauthorized ACH transactions, giving you greater control and peace of mind. Monitor all ACH debits and credits in real-time, block unauthorized transactions using customizable rules, and automate decision-making, saving time and enhancing security.
Lock Box: $.50 per item
Simplify Payment Collection and Save Time
Streamline your payment collection process with our Lock Box service. Lock Box allows direct payments and remittances to be sent to a designated PO Box managed by FM Bank or our trusted subcontractor. This ensures secure receipt, processing, and recording of payments on your behalf, saving time by eliminating manual handling and reconciliation.