Safe, Secure & Efficient Processing

F&M’s Lockbox application is a payment processing service that collects your client(s) payments, scans all of your paperwork, makes your daily deposit(s) and allows for easy electronic review and reconciliation.


  • Save time and expenses
  • Receive same day credit*
  • Consolidate all check and credit card payment images
  • Review daily deposits and paperwork online
  • Create customized reports
  • Monitor client payments
  • 24/7 online access
  • Data transmission
  • Digital archive for 7 years of payment history
  • Simple search functionality
  • Set-up custom and system alerts
  • Customizable Dashboard
*Submissions processed after 12:00pm PT, will be processed the next business day.

Who can benefit from Lockbox Services?

Business and industries of almost every kind can benefit from Lockbox Services. Businesses that process a high volume of checks or large dollar amounts. Below are some industries that could enjoy the convenience of Lockbox Services at F&M Bank:

  • Healthcare Services Offices: Doctors, Dentists, Veterinarians
  • Schools
  • Municipalities/Utility companies
  • Insurance companies
  • Property Management companies
  • Mortgage Firms
  • Labor Unions
  • United States Charitable Foundations (501c3)
  • United States publicly traded Pharmaceutical companies (no internet pharmacies)
  • Trucking companies

Med eSolutions**: Lockbox Solution Tailored for Healthcare Businesses.

Med eSolutions is F&M Bank’s HIPAA-compliant processing solution for healthcare clients. Let F&M process your patient and insurance payments and streamline your revenue cycle, reduce your back office’s workload and enhance your claim-to-payment life cycle.


  • Documents uploaded by patient name for simplified reconciliation
  • Explanation-of-Benefits (EOBs)
  • Electronic Remittance Advice (ERA)
  • Self-payments
  • Reconciliation of payments
  • Secondary insurance processing
  • Denial management
  • Balance and post claims and payments
  • 24/7 online access
  • Digital archive for 7 years of payment history

** Please note that Electronic Lockbox is a prerequisite for Med eSolutions.

Products and services may be subject to separate application, agreement and approval. Certain eligibility requirements, limitations, restrictions and fees may apply. Please refer to Services and Fees on