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F&M Bank

Positive Pay

Effective fraud protection involves a team approach.

Forged and altered business checks can cut into your hard-earned profits. At F&M Bank, we're determined not to let that happen. A simple exchange of data can help us safeguard your business finances.
Fight back against scammers with smart business money management.
 
Paper check fraud costs U.S. businesses billions of dollars each year. Safeguard your earnings with our cost-effective Positive Pay service. Your Shenandoah Valley, Virginia, business sends us a computer file each time you send out a batch of checks. In return, we'll review each check submitted for payment to make sure it's legitimate.
  • Your business will send us a computer file with account numbers, check numbers, issue dates, payees, and dollar amounts
  • We'll compare each check submitted for payment to your file
  • If we notice any discrepancies, we'll contact your business electronically
  • Your team will have the option of rejecting the check or allowing payment






















































iOS and Android Users

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