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Farmers and Merchants / Bank of Fayetteville will be closing at 12:00 p.m. on December 24th. ACH & Wire cutoff times on December 24th will be at 10:00 a.m. IMPORTANT - ACH CUTOFF TIMES 12:00 PM - ALL SAME DAY ACH FILES - You must select Same Day (Any ACH Files Submitted After 12:00 PM Will NOT Process As Same Day Transactions) 4:00 PM - ALL NEXT BUSINESS DAY ACH FILES (All ACH Files Submitted After 4:00 PM will process on the NEXT Business Day) - Same Day Fees may apply