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Business banking services such as payment processing and remote deposit capture from F&M Bank.
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Deposit Services

ELECTRONIC LOCKBOX

Do you receive 60 or more paper checks from your clients per month?

Similar to F&M Bank’s Lockbox Service, Electronic Lockbox is a payment processing service that allows you to review you daily deposits, view check images and create related downloads and reports online. No more waiting for your paper deposit summary. Perfect for property management, medical and professional offices.

Get started today: Contact our Electronic Lockbox Services at (888) 717-2768 or email us at GetLockbox@fmb.com

 

MED eSOLUTIONS

Are you in need of a HIPAA-compliant medical billing solution?

Med eSolutions is F&M Bank’s HIPAA-compliant medical billing solution, and is offered to physicians using F&M Bank’s Electronic Lockbox services. Med eSolutions is an inclusive service for the processing of Explanation-of-Benefits (EOBs), Electronic Remittance Advice (ERA), Self-Payment; Re-Association, Data Transmission, Digital Archive, Secondary Processing, and Denial Management.

Get Med eSolutions today: Contact our Physician Banking Suite Team at
(888) 472-0336 or email us at PhysiciansBanking@fmb.com

 

Download a Lockbox Payment Processing brochure to learn more about these deposit services.PAYMENT PROCESSING VIA LOCKBOX

Need more time? We're here to help. With deposit services like F&M’s lockbox payment processing, we collect payments from your personal P.O. Box, provide courier service, and make daily deposits to allow you more time to focus on your business. This is the ultimate, full-service solution for property management, medical, and professional offices receiving large numbers of check or credit card payment receivables.

  • Same day credit
  • No float time
  • Image scanning
  • Custom reports

Contact our Deposit Services Specialists to sign up for Lockbox payment processing today at (888) 717-2768.

 

REMOTE DEPOSIT CAPTURE

Does your business deposit more than 50 checks per day? Are you challenged with daily trips to the bank? Deposit services like F&M’s remote deposit capture product can help! Scan and deposit checks right from the comfort of your office. Convenience, security, and same day deposit credit make this product a wonderful solution for your business. The best part of all? Remote deposit capture fees are offset by your analyzed checking account.

Contact our Electronic Banking specialists today to find out if remote deposit capture is right for your business. Call (866) 437-0011 or e-mail .*


IMAGE CASH LETTER SERVICE (X9.37)

Faster and More Efficient Check Processing Streamline your large quantity deposit preparation with F&M’s Image Cash Letter Service—an electronic check processing service that allows you to send us check images captured by systems you already have in place. This is the ideal solution if you have a high volume of checks or have checks processed through a third-party lockbox provider.

  • Reduce check processing time and costs
  • Reduce risk and trips to the bank
  • Expedite availability of funds
  • Streamline deposit preparation
Get started now with more efficient check processing—and improve cash flow.

To learn more about electronic check processing, contact our Electronic Banking specialists today. Call (866) 437-0011 or e-mail .*


All F&M Bank Certificates of Deposit are subject to penalties for early withdrawal.
Money Market accounts are limited to six withdrawals or transfers to another account of yours or to a third party by means of a preauthorized or automatic transfer or telephone order or instruction, computer transfer, or by check, draft, debit card or similar order to a third party. Exceeding these limitations may result in transfer of your account to one that pays no interest. A separate application and agreement are required for an ATM card, Online Banking, and Bill Pay privileges. Other transaction limitations or account fees may apply. Refer to the account agreements for details.
Applications limited to California residents only. Credit card applicant(s) require a personal deposit account relationship with F&M. All credit card programs require credit approval. Full details about these programs are provided when you apply and additional information is provided when you become a cardholder. Coverage is underwritten and administered by companies affiliated with Visa USA Inc. Certain coverage conditions, restrictions, limitations and exclusions apply.
Home equity lines of credit are available for both primary residence and second home locations. The plan has a variable rate feature. The index is the prime rate as published in the Wall Street Journal with a minimum floor rate of 4.750%. Maximum combined loan to value is 55.00% with line amounts available up to $500,000. All loans require credit approval. Terms and conditions may vary. Consult your tax advisor regarding deductibility of interest.
All loans require credit approval. Terms and conditions may vary.
Please be advised that without the loan number and signature, there may be a delay in processing your request.
All loans require a separate application and credit approval.
Business interest on checking accounts is available to sole proprietors and non-profit entities only. Other transaction or account fees may apply. Refer to the account agreements for details.
Savings accounts are limited to six pre-arranged withdrawals per statement cycle. Other transaction limitations or account fees may apply. Refer to the account agreements for details.
Credit card applicant(s) require a business deposit account relationship with F&M.  All credit card programs require credit approval.  Full program details are provided when you apply and additional information is provided when you become a cardholder. Coverage is underwritten and administered by companies affiliated with Visa USA Inc. Certain coverage conditions, restrictions, limitations and exclusions apply.
All loans are subject to credit approval.
Online Banking requires a Business Checking account. A separate application and agreement are required for Online Banking, Cash Management Services, or Bill Pay privileges. Other transaction or account fees may apply. Refer to the account agreements for details.
Savings accounts are limited to six pre-arranged withdrawals per statement cycle. A separate application and agreement are required for Online Banking and Bill Pay privileges. Transactions initiated between the hours of 3:00 PM and 12:00 AM PST on weekends or holidays will be processed the next business day. Other transaction limitations or account fees may apply. Refer to the account agreements for details.
Online Banking requires a Business or Personal account with F&M Bank. A separate application and agreement are required for Online Banking, Cash Management, and Bill Pay services. Transfers between accounts will be processed immediately if requested by 6pm. All other transactions initiated between the hours of 3:00 PM and 12:00 AM PST on weekends or holidays will be processed the next business day. Other transaction limitations or account fees may apply. Refer to the account agreements for details.
Some exclusions may apply.
The following Privacy Notice applies to Farmers & Merchants Bank customers only.
Since email is not a secure method of communication, please do not send any sensitive information (e.g. Social Security or account numbers) via email. If you need to include sensitive information in your communication to us, please contact us by phone.
Subject to credit approval, certain restrictions and limitations may apply.
No Closing Costs to the consumer for lines of $250,000.00 or less on refinance transactions. Loan amounts over $250,000.00 and all purchase transactions, third party or related origination costs to be paid by Borrower.