Farmers and Merchants Bank offers a comprehensive range of cash management services that fit the needs of small businesses and corporate clients. From collections to disbursements and reporting services, we have the tools to help you manage your cash efficiently. Click here to view a brief demo video.
Maximize your organization's bottom line with automated daily cash positioning between investments and/or credit.
Contact Kristy Mayo (770) 784-9296 ext. 118 to personally identify how FMB Cash Management Services can enhance the financial performance of your organization.
Concentration FMB Concentration Services offer you efficiency and control. We will identify opportunities that will enhance your business processes and provide you with better control and security.
Cash Concentration
Cash Concentration allows you to transfer funds from your own account(s) held at other financial institutions into your Farmers and Merchants Bank checking. Concentrate your funds quickly and efficiently from multiple banks via ACH.
Increases cash management opportunities
Enhance cash flow
Increases control
Zero Balance Account
The Zero Balance Account (ZBA) allows you to consolidate funds in one master account while benefiting from the convenience of multiple local depository accounts.
Saves time
Increases earnings potential
Enhances audit control
Wire Transfer
Wire Transfers offer secure and flexible options to help you better manage your funds and enhance your processes. You have the security of knowing your funds are available immediately.
Sends and receives funds conveniently and electronically
Cash Flow Management
FMB Collection Services offer you speed, control and accuracy. We will help you streamline your collection processes, accelerate funds availability, and provide electronic payment options to your clients.
Remote Deposit
This service utilizes Check 21 technology that enables your company to scan, image and transmit checks electronically from the convenience and safety of your office to the bank for processing. FMB Remote Deposit Service speeds up the check clearing process for improved availability of funds and reduces the need to physically transport the checks to the bank for processing.
Convenience
Efficiency
Security
Direct Payment
Direct Payment allows you to collect your payments in a timely, secure, and cost effective method. We will process your file of pre-authorized debits and dramatically reduce the time and cost associated with paper remittances.
Saves processing time and staff expense
Improves cash flow
Reduces delinquencies
Increases control and security
Improves your company image as being customer oriented and technologically advanced
Merchant Services
FMB Merchant Services allows you to accept customer payments via credit card and debit card.
Electronic Disbursement
FMB disbursement services offer you control, efficiency, and flexibility. We will help you streamline your disbursement process and develop the most cost-effective method to issue your payables.
Automated Clearing House
Enhance your cash flow forecasting and decision-making information with Automated Clearing House (ACH) transactions.
Saves processing time and staff expense
Ensures timely and accurate processing
Increases control and security
Direct Deposit of Payroll
Direct Deposit Fee Schedule
Please contact Kristy Mayo (770) 784-9296 ext. 118 for pricing.
Direct Deposit of Payroll Allows you to deposit your employees’ payroll directly into their accounts at their respective financial institutions via ACH.
Direct payroll deposits
Increases control and security
Benefits employees
Group Banking
Farmers and Merchants Bank lets you pass the rewards of your relationship with FMB on to your employees. By banking with FMB, your employees are eligible to open a free checking account with us.* This program helps you by offering employee benefits at no cost to you, while letting your employees appreciate savings and a premium package of Farmers and Merchants Bank financial services.
Benefits employees
No cost to you
Enhances employee loyalty
Wire Transfer
Wire Transfers offer secure and flexible options to help you better manage your funds and enhance your processes. You have the security of knowing your funds are available immediately.
Sends and receives funds conveniently
Increases control and security of funds transfers
*Subject to Credit Approval. Rate increases and free closing costs apply only to new accounts.
Electronic Reporting
FMB provides you with timely, accurate information that allows you to make informed cash management decisions to optimize your cash position.
Account Analysis
Analysis Statements allow you to monitor pricing and balance trends to effectively manage your banking relationship.
Increases cash management opportunities
Assists in managing costs
Enhances control
Account Reconciliation
Choose from a variety of account reconciliation plans that allow you to reconcile your clearing and deposit activity more efficiently.
Saves time
Customizes plans
Enhances audit control
Cash Management Online
Cash Management Online is a Web-based system that allows your organization to perform a variety of banking functions from your PC. You will have the financial tools needed to manage your banking relationship on a daily basis.
Automated Sweep Services
FMB automated sweep services optimize the use of your organization’s funds by automatically performing your daily cash management positioning. We will conduct an analysis to determine which “sweep” is best to maximize your return. You will find that the sweep provides an efficient method of managing your liquid funds.
Repurchase Agreement Sweep
This Investment Sweep efficiently utilizes your organization’s funds by automatically transferring any funds above a predetermined target balance into an interest-bearing account.
Increases earnings
Saves time
Convenience
Line of Credit Sweep
The Line of Credit Sweep optimizes the use of your organization’s funds by automatically paying down your line of credit above a predetermined target balance.
