Keep your company running smoothly with Business Banking Solutions.

Since 1908, F&M Bank has been a trusted financial partner to local businesses in the Shenandoah Valley. Today, we continue to focus on bringing you the business banking services you need, while keeping up with modern technology. From traditional storefront banking to an online platform you can use on any device, F&M Bank offers convenient treasury management services from local bankers who care about your success.

Choose from our complete set of business solutions:

Cash Management

Streamline your commercial banking process with online cash management from F&M Bank. You’ll have 24/7 access to view recent transactions, statement history, and paid checks, as well as the ability to transfer funds, make loan payments, pay bills, and more. You can also set up and verify direct deposit paychecks for your employees.

Merchant Account Services

Your customers want the convenience of paying by debit or credit card. With merchant services from F&M Bank, you can let them choose their preferred payment option, while also increasing your business’s overall sales. We offer affordable rates for small businesses and, with the innovative Clover platform, you can choose the type of equipment and apps that will best serve your business needs.

Remote Deposit Capture

Bring the bank to your office with a desktop scanner for depositing checks. F&M’s remote deposit capture service also retains check images and offers reporting features. You can also use our mobile banking app to deposit single checks. Between remote and mobile deposit, F&M gives you the power to deposit checks anywhere you are. Put your money in the bank as soon as you get it!

Add-On Services

F&M understands that no two businesses are exactly alike. Customize your business banking package or choose from our a la carte options.


Businesses with larger deposit balances can enjoy FDIC insurance on more than $250,000 with the Insured Cash Sweep and CDARS services from F&M Bank. You’ll continue to work with just F&M, the bank you already know and trust, while earning interest on excess cash balances and expanding your FDIC protection.


Partner With Your Local Community Bank

F&M’s business banking team is here to discuss all of our small business banking services and help you find the right package for your company. Contact us today or visit one of our Shenandoah Valley branches to set up treasury services for your business.

Have Questions? Get In Touch

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