F&M Trust: Managing Your Money

Managing Your Money

Our commitment to being the area's best community bank can be seen in everything we do. That's why we offer a wide range of business banking services...like services to help your company manage its money.

F&M Trust offers services that enable you to maintain total control over your working funds with a variety of deposit accounts designed to meet the needs of your business including:

Business Checking

Accounts that can make managing day-to-day cash flow easy, accurate and profitable.

Savings and Money Management Accounts

If you're looking to earn higher interest on excess cash based upon company liquidity.

Merchant MasterCard And VISA

We can set up your business with Merchant Card Services to increase sales by making it easier for your customers to pay with their credit cards.

To learn more about F & M Trust's payment processing services, Click here.

Other Business Banking Services

For added value to your banking relationship, F&M Trust offers other business banking services including:

Pension Plans: Offer your employees an additional benefit. We can make creating and maintaining a realistic retirement program easy, efficient and economical.
Freedom Access Center (Telephone Banking): Using a touchtone telephone, our automated telephone banking system allows you to check on your accounts for balances and account history, as well as transfer funds between F&M Trust accounts.
Wire Transfer Service: A convenient and easy way to transfer funds to accounts at other banks, this service can be used for purchases or to pay suppliers both domestically and abroad.

We also offer Business Solutions that include:

Commercial Real Estate Loans including: Construction, Acquisition & Development Loans, and Mortgages
Business Loans
Business Lines of Credit
ACH Origination
Franklin Busine$$Link (Treasury station)
Direct Payroll Deposit Services

If you are interested in more information on one of these services, click here to contact us or ask a commercial services officer for details on business services and solutions to support your business.

Franklin Busine$$Link is a business cash management solution designed so that you can conduct financial transactions directly from your PC. Franklin Busine$$Link makes it easy to access balance, debit, and credit information for all of your company’s accounts. And Franklin Busine$$Link makes it easy for you to initiate electronic payments and collections, even to bank accounts you have at other financial institutions.

You may bank directly from your home or office personal computer that is equipped with the Franklin Busine$$Link software, a cash management solution that makes your banking more convenient, efficient and secure. You can:

Obtain account balances and transaction information
Reconcile your accounts
Conduct transfers between accounts
Initiate stop payments
Make wire transfers
Utilize Automated Clearing House for accounts payable, receivable and payroll
Make state & federal tax payments
Communicate with the Bank via electronic messaging (e-mail)

This convenient service allows you to:

Perform many banking transactions
Connect directly to the Bank with instructions or requests

And improves your efficiency by:

Reducing the time you spend balancing your statement
Providing daily updates allowing better cash management
Scheduling your banking around your work flow
Creating special reports and transfer information to other programs

With the security you need and expect:

Password protection guards each transaction by type, amount and user
You establish transaction limits with your account officer
Information is transferred in encrypted files

To access Franklin Busine$$Link click here.

For more information call an F&M Trust commercial services officer or click here.

Member FDIC

    Managing Your Money
    Borrowing Solutions
    Investing Excess Cash
    Protecting Your Assets
    Employee Benefits