• Review account information
  
• Set up automatic email alerts
  
• Transfer funds between accounts
  
• Initiate wire transfers
  
• Have available 24 months of e-statements
  
• Place stop payments
  
• Originate payroll via ACH
  
• Concentrate and disburse funds via ACH
  
• Provide different functionality to different staff members, and control and accounts and services they may access
  
• Export a file of your transactions to QuickBooks®, Quicken®, or a comma-delimited file format

• One-stop bill pay dashboard allows customers to perform the majority of bill pay activities from one central destination
  
• With e-bills — from more than 400 billers — customers can receive and pay bills directly from your website
  
• Automatic payments let customers pay incoming e-bills or set up recurring payment models
  
• Bill reminders notify customers when bills, including e-bills, need to be paid
  
• Quick-add feature lets customers add new billers with as little information as a name or telephone number
  
• Small business owners can delegate tasks without losing control over their accounts with multi-tiered authority levels
  
• Audit trails show all bill payment actions taken by authorized users

Go green with F&M e-statements! With e-statements, you’ll receive an email notice that your statement is available for your viewing through online banking. You can view, print or save your e-statement to your computer and will archive up to two years of statements. 

If you and/or your business are interested in signing up for e-statements, contact an F&M Bank team member today!

Scan, submit, and deposit all your checks electronically from your workplace. This innovative technology provides businesses a new way to streamline payment processing and banking transactions by capturing check images, making electronic deposits, lowering the cost of payment processing, accelerating funds availability, and maximizing cash flow.

Merchant Card Services allows a business to accept payments from customers by credit card.

• Employees can make business purchases without having to get a check from the business
  
• Allows businesses to purchase necessary items for the business by phone
  
• Interest free grace period on purchases
  
• Business can have credit cards for employees

• Reduce Fraud: Timely notification of suspect items reduces the chance of fraud
  
• Streamline the Process: Online posting and the Internet enable a more efficient process for handling fraudulent checks
  
• Give Customers Control: Customers gain increased control over the payment of checks – simply make pay or no-pay decisions
  
• Provide Reports: Customers have convenient reporting capabilities
  
• Access to trained credit specialists to answer data questions
  
• Alerts received via email for exceptions