Treasury Management
Why Choose Farmers & Merchants Bank?
At Farmers & Merchants Bank, we understand that managing your company’s cash flow efficiently is vital to your success. That’s why our Treasury Management team delivers tailored solutions to help your business optimize working capital, streamline operations, and protect against fraud—so you can focus on what matters most: growth.
Local decision-making and dedicated Treasury Management Officers
Personalized onboarding and employee training
Flexible pricing and scalable solutions to grow with your business
Secure, innovative technology backed by human support
Payments
Modern, Flexible, and Secure Payment Options.
We offer solutions designed to simplify payments while increasing control.
- Business Bill Pay: Pay vendors and suppliers with ease and schedule recurring payments.
- ACH Origination: Streamline payroll, vendor payments, and transfers.
- Business Credit Cards: Convenient purchasing with built-in expense tracking and rewards.
- Wire Services: Timely domestic and international payments .
Collections
Accelerate Receivables & Improve Cash Flow.
Get paid faster and manage your incoming funds with ease.
- Remote Deposit Capture: Deposit checks from your office anytime, without a trip to the branch.
- ACH Receivables: Automatically debit customer accounts for recurring payments.
- Merchant Services: Accept card payments in-store, online, or on the go.
Cash Flow Optimization
Maximize Liquidity. Minimize Idle Funds.
Unlock the power of your working capital with tools that help you balance receivables, payables, and liquidity management.
- Sweep Accounts: Automatically transfer excess balances to interest-earning or loan-reducing accounts
- Zero Balance Accounts (ZBAs): Automate internal fund transfers to maximize earnings and reduce manual oversight.
- Protect Large Deposits with ICS® & CDARS®: Get peace of mind with multi-million-dollar FDIC insurance — all through your trusted community bank.
- Connect with Quicken® & QuickBooks®: Easily export your Farmers & Merchants Bank account data via web-connect interface to Quicken® or QuickBooks® for faster record-keeping and hassle-free reconciliation.
Protection from Fraud
Proactive Protection for Your Business Accounts.
According to the Association of Financial Professionals, 79% of organizations were victims of payment fraud. Safeguard your accounts from unauthorized transactions and financial threats.
- Check & ACH Positive Pay: Automatically match presented items against your issue files.
- Multi-Level Security & Dual Control: Built-in protections within online banking.
- Alerts & Monitoring: Receive real-time notifications of suspicious or high-risk activity.
- Secure Access Controls: Role-based permissions to protect your business operations.
Get Started Today
Partner with a bank that understands your business.
Contact our Treasury Management Team to schedule a consultation and see how we can help you work smarter.
