Funds Management

Maximize your monetary efficiency without adding on any extra work for yourself. Funds management services allow you to move money where it makes the most sense — no extra work required.

We offer several different funds management services, including Credit Sweeps, Investment Sweeps, and a Zero Balance Account — all of which work on the back end to enhance your funds management.

To learn more or to sign your business up for these money-boosting solutions today, call one of our branches or send us a quick inquiry, and one of our knowledgeable Treasury Management Professionals will be in contact with you shortly.

Credit Sweep

You work hard. Hold your money to the same standard with credit sweep services. Simply designate a target balance in your business checking account. At the end of the day, any excess funds are automatically swept into your line of credit account to pay down your balance.

Should your balance ever fall short of that target amount, funds are automatically swept back over to your checking account to cover expenses. So no matter what, credit sweep services always work in your favor. Pay down your debt — automatically — by signing your business up today.

  • Available to business customers with an open credit line with F&M Bank*
  • Keep your money working for you, automatically
  • Receive benefits where you need them the most:
  • Designate a target checking account balance
  • Excess funds are automatically swept into your line of credit account to pay down balance
  • Funds are swept back over to your checking account should you fall short of your balance

*Subject to credit approval.

Investment Sweep

Maximize your excess balances by setting up an investment sweep. Your company's cash automatically goes where it benefits you most — to fund your business checking account or to an interest bearing account.

Set a target balance for your business checking account. Then, on a daily basis, funds above that target are automatically "swept" into your interest earning Investment account. Or, if your checking account balance falls below the target, funds are automatically drawn from your Investment account to refill your checking account. It's cash management made easy!

  • Available to business customers with an F&M Bank business checking account
  • Keep your money working for you, automatically
  • Maintain target balances while maximizing interest earnings
  • Receive benefits where you need them the most:
  • Designate a target checking account balance
  • Excess funds are automatically swept into an interest-bearing Investment account
  • Funds are swept back over to your checking should you fall short of your balance

Zero Balance Account (ZBA)

Manage multiple accounts — even across multiple business locations — all in one place. A Zero Balance Account offers larger businesses additional insight into their overall monetary health at any given moment.

Funds from designated accounts are housed within one centralized account. All other sub accounts are kept at a zero balance while we see to it that funds are distributed to each as needed. A Zero Balance Account (ZBA) is the convenient way to improve your cash flow, and it enables you to disburse funds in a way that works best for your company.

  • Perfect for companies with multiple divisions, stores, or operating units
  • More than one ZBA can be linked to the primary account
  • Multiple account balances are concentrated into one, centralized account
  • Funds are disbursed to individual ZBA accounts only when necessary to cover checks or debits
  • Concentrate funds, eliminating idle balances and simplifying account management
  • Maintain required balances for disbursements while maximizing excess balances
  • Transactions flow through separate accounts for audit purposes while balances are consolidated for funding
  • Eliminate the need for manual transfers between bank accounts
  • Separate statements for each account

*Fees may apply, for more information visit one of our offices or contact one of our Treasury Management Professionals.