The Business Solutions Department: Driving Growth Since 2020

Since its launch in 2020, Farmers & Merchants Bank’s Business Solutions Department has transformed the way the bank serves its commercial customers, driving growth and increasing services through tailored financial solutions.

Under the leadership of Pepper Morrison, Business Solutions Director, the department has delivered unprecedented growth by providing the best customer experience to our commercial customers with tailored solutions to meet their business needs.

The success of the Business Solutions Department is built on innovation, customer-centric strategies and proactive financial solutions that help businesses streamline operations and reduce costs. Morrison and her team have championed services like ACH Origination, which enables businesses to cut check-processing costs, and Positive Pay, a fraud detection tool that safeguards accounts from unauthorized transactions.

“Cost savings for our customers is probably the biggest reason that Business Solutions can help,” Morrison said. “Avoiding the cost of checks by moving to ACH Origination or saving on fraudulent items hitting your account by moving to Positive Pay are just a few of the ways we can help.”

Beyond optimizing treasury management, Morrison has also expanded partnerships with the bank’s lenders and retail staff, ensuring a seamless experience for commercial clients. Her collaborative approach has strengthened Farmers and Merchants Bank’s reputation as a trusted partner for businesses of all sizes, offering tailored financial solutions that evolve alongside their needs.

Looking ahead, Morrison has her sights set on further expansion, with a particular focus on growing Merchant Services in 2025.

“This could be another cost saver for our customers but can also help locate a better solution that works for their business,” she said.

By continuously identifying and implementing innovative banking solutions, Morrison is ensuring that Farmers and Merchants Bank remains at the forefront of business banking excellence.

“This growth is in part to the amazing team that I have,” she said. “I honestly could not ask for a better team to work with as we continue to grow everything Business Solutions. Partnership with the lenders and retail staff will bring a full-circle experience to our customers.”

Through her visionary leadership, strategic expansion of financial services and commitment to customer success, Pepper Morrison has propelled Farmers and Merchants Bank’s Business Solutions Department into a growth machine — one that will continue to shape the future of business banking for years to come.