Enters into a contract with Gibson to deliver goods. If you do not want to participate in any Overdraft Elect Plan please fill out the form on our Overdraft Services page, call us at 1.800.Collect receivables with electronic systems that prioritize speed and security. Fulton Bank offers merchant, ACH, lockbox, and online payment services. Our guide explains the 9 steps to optimize the AR process using accounts receivable flow charts. My goal is to provide exceptional service to our farmers, our customers and future customers. Accounts receivable is an accounting term referencing money owed to a company for delivered goods or consumed services.