Farming pattern background.

Business Services

First Farmers & Merchants Bank offers a number of services so you can focus on running your business. Contact your local branch to learn more about these services and applicable fees.
Merchant Capture allows you the freedom to deposit checks anytime day or night from the convenience of your own desktop.

  • Consolidate funds from remote locations into one financial institution.
  • Save time in preparing deposits.
  • Easier to scan a large number of checks compared to mobile deposit.
  • Avoid trips to the bank and save on fuel costs or courier fees.
  • Reduce risk of check fraud with faster check clearing.
With Bill Pay, you can spend less time paying bills and have more time to do what you want. We have partnered with CheckFree, an industry leader, for our online bill payment service.

Bill Pay is included for businesses enrolled in Enhanced eCorp. Otherwise, you can try Bill Pay for free for 3 months before a monthly fee of $4.95 is assessed.

ACH payments offer many benefits to businesses including:
  • Reduced costs associated with paper checks
  • Direct deposit for employee payroll
  • Eliminate fraud from lost or stolen checks

ACH payments are available to businesses enrolled in Enhanced eCorp

Same-day ACH payments are also available for an additional fee. The deadline to submit a file for same-day ACH payment is 12 pm (CST).
Merchant Credit Card Services help to facilitate payments and manage cash flow. With this service, you can accept credit card payments. Our service provider gives you the convenience to either buy or lease the software or terminal to process the credit card services at your business. 
First Farmers & Merchants provides an efficient and secure system through the Federal Reserve for moving funds between banks, both in the United States and abroad. Wire transfers offer more immediate availability of funds.

Fees vary by location for Outgoing and Incoming Wire Transfers, please contact your local branch for the current fees.
  • Cash Advances*
  • Cashier's Checks
  • Coin Machine
  • Money Orders
  • Night Drop Box
  • Notary Services
  • Safe Deposit Box
*Subject to credit approval