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Cash Management

A big part of managing your business is managing your cash. Whether your business is small or large, just starting out or well established, Farmers and Merchants Bank has the products and services that will help you better manage your cash, so you'll have the time to better manage your business.

Payroll Direct Deposit

Eliminate the cost of writing and distributing checks, and offer added convenience to your employees. Farmers and Merchants Bank's payroll direct deposit gives you the tools to electronically transfer payroll funds directly into your employees' accounts, saving time and money associated with manual processing.

Depository Transfers

No need to visit the bank, transfer funds electronically between your account(s) and Farmers and Merchants Bank, or other financial institutions. Next day transfers are processed electronically between your company accounts.

Import/Export Capability

Reduce error and save valuable time by eliminating the need to re-key data with Farmers and Merchants Bank's Import/Export functionality. Manage large ACH files locally on a spreadsheet for uploading into a batch, or easily import or export tab-delimited files to spreadsheet applications.

Electronic Federal Tax Payments

Put the control in your hands. With our Electronic Tax Payments service, you can directly initiate an "ACH CREDIT" for different types of federal tax payments, such as 941 payroll tax deposits. Our system will create the ACH credit to the US Treasury in accordance with Federal tax payment requirements.

Collect Payments

Save time and money by replacing invoicing with EFT payments from authorized consumer accounts. Use our Collect Payments template to originate EFT payments from your consumer accounts, whether authorized in writing, by phone, or over the Web.

Wire Transfer Origination

Reduce paperwork and conduct wire transfers right from your desk. Our Wire Transfer functionality allows you to initiate domestic wires via our secure messaging system in minutes.

Online Bill Pay

Get access to your bank accounts 24x7, 365 days a year with Farmers and Merchants Bank's online Business Bill Pay. Schedule one-time payments for, or get better organized by scheduling your bills in advance – and you can easily retrieve up to 6 months of your bill payment history for reconciliation. Online bill pay saves you money and affords you the time to concentrate on your business.

Sub-User Administration

Be in charge of your business banking with Sub-User Administration. Save valuable time and increase efficiencies by conveniently assigning specific account access, dual control privileges, and transaction limits to your employees independently, without direct communication with your financial institution.

Principal/Interest Loan Payments

Conveniently make principal or interest payments to supported loan types at Farmers and Merchants Bank. This feature can be configured differently for various loan types.

Check Imaging

View your checks and deposit slips within your Internet banking account. No waiting for copies of cancelled checks and helping you easily track your businesses transactions.


This notification feature allows you to designate what type of account activity, such as overdraft alerts, balance alerts, and large transaction alerts, you would like to be notified of via e-mail. As soon as one of your designated events occur, you will immediately be notified.

Quicken and QuickBooks Download

Download your account history in Quicken WebConnect and QuickBooks WebConnect file formats. Transactions will be reconciled against any transactions already entered in your account register, as well as matched against any transactions you have already entered to eliminate duplicate download entries.

Balance Reporting

With this feature, you'll never have to wait for your monthly statement to reconcile your account register. Balance reporting allows you to get a full report of the current or previous day's transactions and easily manage your finances.


Phone: (803) 496-3430
Lost/Stolen Card: 1-800-500-1044
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