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Business Savings

Farmers & Merchants State Bank gives you a choice of savings accounts based on your cash flow and deposit balances. Each account has been specially designed to meet your needs. Our commitment to offer the most complete service at the lowest possible cost is reflected in the savings alternatives available to you. We've made it easy for you to get started with Farmers & Merchants State Bank. Open your Farmers & Merchants State Bank savings account today!

Business Savings

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At Farmers & Merchants State Bank we try to provide simple solutions in a complicated world. A savings account is a convenient way to earn interest on your money and still enjoy easy access to your funds at any time. Earn competitive rates with a convenient way to save for the future.

Features:

24 hour online access
Interest paid quarterly
Quarterly statements
Combined statement with checking
ATM available
Direct Deposit

Our Personal Banker professionals are here to serve you and make your savings process as simple as possible. To find out more information about opening your Business Savings call or e-mail one of our Personal Banker professionals today.

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Money Market Savings

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The Money Market savings allows you to earn market rates of interest and also have the ability to write checks off your account (subject to federal and banking limitations). A Money Market savings account is a convenient way to earn interest on your money and still enjoy easy access to your funds at any time. The Money Market savings is designed for businesses that maintain higher balances. Earn competitive rates with a convenient way to save for the future.

Features:

24 hour online access
Interest paid monthly
Monthly statements
Combined statement with checking
Tiered rates for higher balances
Check writing privileges
Direct Deposit

Our Personal Banker professionals are here to serve you and make your savings process as simple as possible. To find out more information about opening your Money Market Savings call or e-mail one of our Personal Banker professionals today.

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Business Premium Savings

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The Business Premium Savings account allows you to earn certificate-like rates of interest and also have the liquidity of a Market Manager Account. The Business Premium Savings account is designed for businesses that maintain higher balances. Earn competitive rates with a convenient way to save for the future.

Features:

24 hour online access
Interest paid quarterly
Quarterly statements
Combined statement with checking
Direct Deposit

Our Personal Banker professionals are here to serve you and make your savings process as simple as possible. To find out more information about opening your Market Manager Savings call or e-mail one of our Personal Banker professionals today.

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BUSINESS BANKING BUSINESS SAVINGS ACCOUNT COMPARISON
Type	Min to Open	Minimum Daily Balance Required to avoid fee	Fees	Interest Paid?	Special Notes
Business Market Manager	$2,500	$2,500	Service fee of $6 per month if below $2,500 avg mo. balance; $4 per deducted item fee if more than 6 withdrawals or 3 checks presented in a statement cycle. A per item deposited fee of $.05 after 35th item per statement cycle.	Yes - Tiered Rates	Maximum 3 checks per statement cycle
Business Savings	$200	$200	Service fee of $3 if balance below $200; $1 fee for each withdrawal over 6 per statement cycle	Yes - quarterly
Business Premium Savings	$25,000	$25,000	Six free withdrawals per month, $10 for each withdrawal over six. If minimum balance is not maintained the interest rate reverts to the business savings interest rate.	Yes - interest compounds quarterly

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