Checking Accounts for Businesses of Any Size
No matter the size of your business, you need a business checking account that will allow you to access your money when you need it. At Farmers & Merchants State Bank, we specialize in providing checking accounts for your business. Each account is equipped with different features that allow you to choose which one works best for your business. If you’re ready to open a business checking account, contact our business banking team.

Compare Business Checking Accounts
Account | Opening Balance Requirement | Benefits |
|---|---|---|
Commercial Checking Account | $100 | Make unlimited deposits Unlimited check-writing privileges Earnings credit available if certain requirements are met |
Small Business Checking Account | $100 | 100 free transactions per month |
Business Checking | $100 | Non-interest-bearing checking designed for small to mid-sized businesses and nonprofit organizations. Ideal for routine operating expenses, with up to 250 transactions included each month |
| Business Elite Checking | $100 | Non-interest-bearing checking for small to mid-sized businesses and nonprofit organizations with higher account activity. Designed for routine operating expenses, with up to 500 transactions included each month |
Zero Balance Accounts
This disbursement account allows you to write checks, even as the balance of the account is maintained at zero. Funds are automatically moved from the main account to cover incoming items as checks clear. When used with a Sweep Account, you can use idle funds while employee checks go through the bank clearing system.