Scanning customer checks and making deposits from the luxury of your office chair will save you time while speeding up your cash flow.

• Quick access to funds
• Streamline your banking relationships
• Simplify your accounting tasks

Replace costly paper collections and disbursement with fast, cost-effective electronic transactions from your desktop.

• Save your business time and money
• Reduced risk of fraud
• Payees receive timely payments direct to their bank accounts
• Greater funds availability and lower costs

Send or receive money to vendors and others online.

• Pay or collect money from both commercial or consumer clients
• Daily cutoff is 10:00am for same day transfers and 3:00pm CST for standard settlement.

Send money in a flash from your bank account to another financial institution

• Incoming domestic wires
• Outgoing domestic wires; daily cutoff is 3:00pm CST for same day settlement

Positive Pay is an automated fraud detection tool that matches the account number, check number and dollar amount of each check presented for payment against a list of checks previously authorized and issued by the company.

• Program is managed by business owner
• Ability to upload and/or download between most accounting programs
• Catch fraudulent items before checks have cleared your account
• Exceptions are managed and reviewed by business users 

Customers who have a personal and a business relationship with FMB can view all their accounts on a single (read-only) page.

Our lockbox service securely collects payments at a dedicated P.O. Box and routes deposits directly to us for fast, streamlined processing– eliminating manual handling and reducing risk.

You’ll receive deposit details through our online platform or a custom data file for easy integration.

Benefits include:

• Faster payment processing
• Quicker access to funds
• Less administrative work
• Reduced risk of theft or error

The IntraFi Network, commonly known as ICS® and CDARS®, gives you access to millions in aggregate FDIC insurance through a nationwide network of participating banks. Best of all, you can enjoy this added protection while continuing to work directly with Farmers & Merchants Bank.

A significant portion of business processes rely heavily on the internet. Identifying risks and threats for your system, whether internal or external, will help you recognize vulnerabilities. This 5-minute Cyber Risk Assessment will help identify problem areas. Should you like to discuss your score, we are available to review the risk assessment with you.