Farmers & Merchants Bank

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.

Businesses that receive frequent payments and documents by mail use lockbox services to help reduce expenses, improve cash flow and update their accounting systems quickly.  

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.

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.  

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.

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.

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.