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F&M Bank
Child around chickens.

Ag Sweep

Put your operating funds to work.

An automated solution designed to help agricultural businesses manage cash flow and make the most of excess funds.
Three accounts combine to reduce debt and generate income
 
Many Shenandoah Valley, Virginia, farmers and agri-businesses have a main operating account and a line of credit for unexpected expenses and seasonal purchases. Our Ag Sweep solution adds an interest-bearing account to the mix. At that point, money flows between the three accounts to provide maximum benefit without you having to lift a finger.
  • You decide on a pre-set amount of money to keep in your operating account.
  • When the balance exceeds that specified amount, funds are automatically shifted to your line of credit to pay down the interest.
  • When the credit line is paid down to $0, excess funds go to a sweeps account
    where they generate competitive interest.
  • If your operating funds start running low, money is automatically transferred from your sweeps account.





F&M Bank's Agriculture Banking is Built for the Way You Farm.

From cattle and dairy operations to poultry houses and row crop farms, every operation runs a little differently. Some are expanding acreage, others are upgrading equipment, and many are balancing both growth and day-to-day demands.

Wherever you are in that cycle, financing should align with the way your operation actually works.

Purchase a new farm or more land for current
operation.

Purchase tractors and attachments; feeding,
planting, and harvesting equipment; farm use
vehicles and livestock trailers.
Access funds on demand when cash is slow or
setup funds to sweep to and from your operating
account. 



































Cows in stall.



iOS and Android Users

Download the F&M Bank app on your mobile device.

Let’s make your cash work smarter.

An Ag Sweep account can help simplify your cash management strategy and improve efficiency. Connect with an Ag lender to learn how this solution can support your operation.