Smarter money
for your business

Investment and Line of Credit Sweeps help to manage the flow of cash and utilize excess daily liquidity in the most efficient way possible. A target balance is established to help pay down the Line of Credit in overnight processing or sweep to an interest-bearing deposit account for full FDIC protection.

• An Investment Sweep maximizes idle cash by automatically moving excess funds from a business checking account into an overnight investment to earn a competitive market return while maintaining liquidity.
• A Line of Credit (LOC) Sweep optimizes cash flow by automatically managing the balance between a business checking account and a line of credit.
   

Franklin Busine$$ eDeposit, or Remote Deposit Capture, is a modern, fast alternative to physically visiting the bank to deposit checks, saving time and improving efficiency.

• A check imaging device is installed at your business location free of charge.
• Checks are scanned, and images are captured on your company's business computer system.
• These images are transmitted to the bank via secure file transfer for processing, and there is no per-item charge for the service.
• Businesses can access check images online for up to two years for recordkeeping and reconciliation. 

F&M Trust partners with IntraFi, a network of member banks, to offer solutions that allow businesses to maintain large deposit balances while achieving full FDIC insurance coverage. Customer's funds are placed across IntraFi’s network of member banks in amounts below the FDIC insurance limit per bank. This structure ensures complete FDIC protection for the customer’s total deposit.

• All transactions are conducted as reciprocal transactions, meaning F&M Trust receives funds back dollar-for-dollar.
• The customer’s total deposits effectively remain with F&M Trust, supporting local lending and community investments.
• IntraFi benefits bank customers as they maintain liquidity and access to funds.