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Farmers & Merchants Bank

Business Solutions

Spend less time managing your cash flow.

ACH Origination

ACH payments are electronic payments that allow companies to electronically transfer money from one account to another at almost any financial institution within the United States.  ACH entries can be debits or credits and are an effective way to collect receivables or pay employees and/or vendors.

Merchant Services

Merchant Services enables your business to accept a payment transaction through a secure (encrypted) channel.  This gives your business the capability to accept credit cards, debit cards, and other forms of electronic payments from customers.

Positive Pay

This full-featured transaction management solution helps deter fraud on your business accounts, validate payment related information, manage exceptions, create customer reports and account reconciliation.  

Purchasing Cards

A Purchasing Card is a type of commercial card that allows organizations to make electronic payments for a variety of business expenses (i.e., goods and services.)  It is similar to a credit card; however, the card-using organization must pay the card issuer in full each month.

Remote Deposit Capture

Save time and money by electronically depositing checks for your business with a desktop scanner provided by the bank.  This streamlines your cash flow and allows funds to become available faster.


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Wire Manager

Through Business Online Banking, our wire manager process allows customers to move funds from one account to another securely via domestic and/or international wire transfers.

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