Gain Greater Control of Your Cash Flow.
F&M's Treasury Management solutions are built for businesses that need more than basic banking. From collecting payments faster to protecting against fraud, our tools are designed to help you manage every dollar more efficiently and confidently.
Tailored solutions for the way your business moves money.
No two businesses operate the same way, and your cash management tools shouldn't either. We work with you directly to build a package around your specific needs, whether you're focused on accelerating receivables, streamlining payables, or strengthening fraud controls.
Receivables & payables
Move money in and out faster and more securely.
From collecting customer payments electronically to paying employees and vendors without cutting a check, F&M has the tools to keep your cash flowing in both directions.
ACH Payments & Debits
Transfer funds electronically to and from your business, eliminating paper checks and reducing fraud exposure.
Remote Deposit Capture
Scan checks received at your business to digitally deposit, saving you a trip to the bank.
Features
- ACH Origination for payroll, vendor, and tax payments
- ACH Debit to collect payments from clients and vendors electronically
- Remote Deposit Capture and Mobile Remote Deposit Capture
- Corporate Wire Services
- Merchant Card Services to accept all major credit and debit cards
Cash Management & Fraud Protection
Your money, working harder around the clock.
Sweep services handle the movement of excess funds so you don't have to think about it, and fraud protection tools like Positive Pay and ACH Block make sure nothing unauthorized gets through.
Sweep Services
Automatically link your checking account to a loan, line of credit, or investment option so your funds are always working.
Positive Pay & ACH Block
Set the rules for what clears your account and catch fraudulent or unauthorized transactions before they cost you.
Features
- Credit Sweep to reduce loan or line of credit principal automatically
- Zero Balance Sweep to centralize multiple depository accounts
- Investment Sweep to maximize interest on excess funds
- Positive Pay to prevent check counterfeits and alterations
- ACH Block to prevent unauthorized electronic transactions
Keeping you connected to your cash position.
Digital Banking & Direct Connect
Our digital banking tools give you a real-time view of your accounts, cash flow, and transaction activity all in one place. Initiate payments, manage receivables, and monitor everything with a single secure login. Pair it with Direct Connect to automatically sync your transactions directly into QuickBooks, to cut down on manual reconciliation and keep your books accurate.
Explore Digital Banking
Looking for more ways to support your team?
F&M offers Payroll Cards for businesses with employees who don't have a bank account, giving your whole team access to direct deposit without requiring a personal checking account.
Take a smarter approach to managing your business finances.
Treasury Management isn't something you set up on your own — it's a partnership.
Our Treasury Solutions Team is ready to learn how your business operates and build a solution that fits. Reach out today to get started.
Contact our Treasury Team:
Tina Augustine, Treasury Solution Officer - VP
tina.augustine@lawrence.bank | (931) 553-4656
Frequently Asked Questions
Who is Treasury Management designed for?
Treasury Management is a great fit for businesses with higher transaction volumes, multiple accounts, or complex cash flow needs. It's also valuable for any business looking to automate payments, reduce fraud risk, or improve how they collect and manage funds.
Do I need a specific checking account to access Treasury Management?
Treasury Management add-ons are available with Prime Business Checking and Commercial Checking accounts. Visit our Business Checking page or contact us for more information.
How do I get started?
Reach out to our Treasury Solutions Team directly and we'll set up a conversation to learn about your business and recommend the right combination of tools.