Holiday Closure Notice:

In observance of Independence Day, Farmers & Merchants State Bank will be closed on Saturday, July 4, 2026. Remember, you can manage your accounts anytime with the F&M Mobile App or Online Banking—available 24/7. We wish you a safe and happy 4th!

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Business Checking Accounts

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.

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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 Interest Checking Account

$100

Earn interest on your account balance (minimum balance of $2,500 to earn interest)

Interest compounded monthly

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.

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