Smarter Money for Your Business

F&M Trust’s Treasury Management Services can help your business put your cash to work more efficiently. We have effective cash management services and tools for generating additional income through reduced service charges, paying down lines of credit or investment. Working with your relationship manager or our treasury management specialists, you can analyze cash flow patterns and review information needs to develop a customized, comprehensive plan.

Commercial Treasury and Cash Management

  • Automated Clearing House (ACH) Origination

    Originate payroll direct deposit and other types of payments and collections. Use templates or uploads to process these payments through Franklin Busine$$Link.

  • Wire Transfers

    Initiate Wire Transfers through Franklin Busine$$Link for immediate same-day transfer.

  • Positive Pay

    Prevent check fraud by managing your paid check items using Franklin Busine$$Link. This service detects the fraudulent items prior to payment by the bank.

  • ACH Positive Pay/Debit Block Services

    Prevent ACH fraud by managing your paid ACH items using Franklin Busine$$Link. This service blocks any unauthorized ACH activity prior to payment by the bank.

  • Sweep Services

    Investment Sweeps, Line of Credit Sweeps, and Zero Balance Sweeps help to manage the flow of cash and utilize excess daily liquidity in the most efficient way possible.

  • Franklin Business eDeposit

    Scan checks conveniently from your office.

  • F&M Trust Business Mobile App
    The F&M Trust Business Mobile app allows access to your account 24/7 anytime, anywhere via a mobile device. The app enables instant access to:
    • Accounts & Transactions - View real time balances and transaction history.
    • Check Images - View the front & back of any paid check directly from the transaction details.
    • Mobile Check Deposit - Make deposits faster & easier. Scan a picture of a check & enjoy rapid & secure processing.
    • Transfers - Quickly transfer funds between your F&M Trust accounts.
    • Bill Pay - Pay bills on the fly - with the ability to easily add, update and delete payees.
    • e-Statements - Access statements for your accounts, right in the mobile app.
  • Credit Card Processing

    Upgrade your debit card and credit card processing to personal payment processing from F&M Trust and our partner BASYS Processing. Accept payments every way your customers want to pay that is safe, convenient, and affordable for your business.

    Your business will enjoy the following benefits:

    • A dedicated account manager for all customer service inquiries
    • Comprehensive PCI Compliance support
    • Online reporting capabilities
    • Acceptance of all major card brands
    • Equipment for all situations: in-person, over the phone, online, contactless, and mobile
    • Competitive rates

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Deposit Services

Need better payroll and accounting solutions for your business?

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We have affordable financing options that can help your business thrive.

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Employee Benefit Programs

Keep your employees healthy and happy with our Benefits Programs.

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Commercial Services Team

Question for an expert? We’re ready to help.

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