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.

Managing your company’s treasury operations is more than just a task; it’s a strategic imperative. That’s where F&M can help.

Businesses can optimize efficiency by arranging ACH payments and conveniently depositing checks remotely. Proactive monitoring, comprehensive alerts, and tailored reports empower decision-making, ensure protection against fraud, and enhance overall financial control and security.

Choose from our complete set of business solutions:

Cash Management

Efficiently manage your finances and save time with our Cash Management service, providing 24/7 access to transactions, paid checks, funds transfers, bill payments, and ACH processing. Simplify payroll submission, vendor payments, and recurring dues/payments electronically.

Merchant Account Services

Your customers want the convenience of paying by debit or credit card. Whether you need to accept payments in your store, online, or on-the-go, we’ll help you find the right products. With the best in payments technology and the highest level of customer service, your business will succeed in today’s market.

Positive Pay

Positive Pay verifies account numbers, check numbers, issue dates, payees, and dollar amounts against your company’s authorized checks. Each time checks are issued, a file containing this information is uploaded to online banking. If potential fraud is detected, you’ll receive an alert to approve or reject the payment.

Remote Deposit Capture

Bring the bank to your mobile device with F&M Remote, a free mobile app for businesses that frequently deposit checks. For businesses with higher check volume, ask about our Remote Deposit desktop scanner, offering check image retention and reporting features. The F&M Consumer mobile banking app is also available for you to make single check deposits.

Reduce your trips to the bank and time away from your business with mobile deposit from F&M Bank.

Download F&M Remote for Small Businesses!

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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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