Payment Solutions

In business, time is money. At F&M Bank, we strive to make more of both for your business via an accommodating suite of payment solutions.

Streamline accounts payable, reallocate resources, and reduce errors — ultimately boosting your bottom line.

To learn more or to sign your business up for these time-saving solutions today, call one of our branches or send us a quick inquiry, and one of our knowledgeable Treasury Management Professionals will be in contact with you shortly.

Automated Clearing House (ACH)¹

The ebb and flow of business: money comes in, money goes out. Easily stay on top of outgoing funds without upping your workload. ACH services from F&M Bank enable you to pay vendors, process employee payroll, pay taxes, and schedule cash disbursements — all with ease.

Add an additional layer of convenience and accuracy without even leaving your office. An up-to-date list of transactions with detailed descriptions is conveniently available via your online banking portal.

Conduct a number of outgoing payments, electronically:
- Directly deposit employee payroll
- Make vendor payments
- Pay state and federal taxes
An up-to-date record of transactions is available via online banking or account statements
Create a template to be used for recurring payments
Efficient and accurate processing, providing more visibility to your cash position
Improve cash flow
Increase productivity by automating processes
Cut down on employee resources and time
Increase accuracy; reduces human error
Eliminate wastes and expenses associated with paper checks

NACHA Operating Rules for ACH Originator(s)

All originators of ACH interchange are required to comply with the regulations set forth by the National Automated Clearing House Association (NACHA) Operating Rules for ACH Originators. The NACHA Operating Rules provide the contract law framework and record specifications for the processing of ACH transactions. Stay current on the ACH Rules! Visit the NACHA website for more information.

Online Wire¹

Easily move funds without physically moving yourself! Our easy-to-use online wire transfer services allow you to initiate domestic and international transfers from the convenience of your office. Save valuable time and resources — even create recurring templates for future use.