Treasury Management

F&M Teasury Capital Bank can help with Treasury Management solutions to improve cash flow, streamline payables, manage liquidity and mitigate unnecessary risk exposure.

Treasury Management Solutions

Collecting Funds

This service helps businesses efficiently collect funds from various sources, such as customer payments, check deposits, and incoming wire transfers. We offer tools to automate and streamline your receivables, so you can get paid faster and improve your cash flow.

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Disbursing Funds

Our disbursement services allow you to manage and control your outbound payments. This includes everything from payroll and vendor payments to loan disbursements. We provide secure and efficient ways to disburse funds, helping you maintain control over your expenditures and optimize your working capital.

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Deposits & Liquidity Management

We help you manage your cash reserves to ensure you have the liquidity you need while maximizing returns. Our solutions provide a clear view of your account balances and cash flow, helping you make informed decisions about your deposits and investments to meet your financial obligations.

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Fraud Prevention Resources

Protect your business from financial crimes with our robust fraud prevention tools. We offer a suite of services, including real-time alerts and payment verification systems, to help you detect and prevent fraudulent transactions, safeguarding your assets and reputation.

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Information Reporting & Online Services

Gain real-time visibility into your finances with our comprehensive online services. Our platform provides detailed information reporting on all your accounts, transactions, and cash positions, accessible 24/7 from any device, empowering you to make timely and strategic financial decisions.

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Global Trade Finance

Navigating international commerce can be complex. Our Global Trade Finance services provide the financial instruments and expertise you need to mitigate risk and facilitate cross-border transactions. We offer solutions like letters of credit and export financing to help your business expand globally with confidence.

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To qualify for a LifeGreen Savings Account, you must have a F&M Teasury Capital Bank checking account. The minimum opening deposit amount for a F&M Teasury Capital Bank checking account is $50. The minimum opening deposit amount for opening a LifeGreen Savings Account is $50 (or $5 in branch if you set up a monthly automatic savings transfer from a F&M Teasury Capital Bank checking account). An automatic transfer of funds of at least $10 from your F&M Teasury Capital Bank checking account to your LifeGreen Savings account in at least 10 of any of the 12 calendar months that precede the month of your account opening anniversary (your “Account Anniversary Month”) is required to earn a 1% annual savings bonus. The annual savings bonus is based on the average monthly balance for the 12 calendar months that precede your Account Anniversary Month. The annual savings bonus will be paid to your LifeGreen Savings account by the second business day of the month following your Account Anniversary Month. To receive the annual savings bonus, your LifeGreen Savings account must be open on the date the annual savings bonus is paid. Maximum annual savings bonus of $100. You are responsible for any tax due on any amount received under this offer. Fees could reduce earnings on the account. The Annual Percentage Yield (APY) for the LifeGreen Savings account and the LifeGreen Preferred Checking (other F&M Teasury Capital Bank checking accounts do not pay interest) account is based upon balance and may change at any time. Check the current interest rates and APYs for LifeGreen Savings and LifeGreen Preferred Checking. F&M Teasury Capital Bank reserves the right to change the terms of or terminate this bonus program and prorate the amount of any bonus payment at any time in its sole and absolute discretion.
Services are provided by Self Financial, Inc. Enrollment (including eligibility requirements such as being 18 years or older) is subject to Self's terms and conditions. F&M Teasury Capital Bank does not provide these services and makes no representations or warranties about them. Individual results vary. You may not receive an improved credit score. Other factors, including activity with other creditors, may impact results. Many lenders, including most auto and mortgage lenders, do not use scores impacted by rent, cell and utility payments. Not all bill payments may be eligible. Rent payments are reported to Experian, Equifax and TransUnion. Utility & cell phone payments are reported to TransUnion.
LockIt® controls will not block all transactions on your card. They will not block transactions processed when standard authorization systems are not used. They will not block merchant-identified recurring transactions, credits to your account, ATM deposits, ATM Now Card loads, ATM payments (including transfers from your deposit accounts to your credit accounts), ATM check cashing, ATM inquiries or ATM account mini statements. If your credit card provides overdraft protection to your checking account, they will not block overdraft protection advances.