Holiday Closure Notice:

F&M State Bank will be closed Columbus Day - Monday, October 12th. Remember, you can manage your accounts anytime with the F&M Mobile App or Online Banking—available 24/7.

Skip to Content
Close Icon

Online Banking Login

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.

Contact Us Current Rates

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.

Connect With Us

Apply Online

Apply Online

Call

Call

Meet with Us

Meet with Us

Newsletter

Newsletter

Home Loans

Home Loans