F&M Bank

Business Checking Accounts Interest Bearing Accounts Remote Electronic Deposit (R.E.D.) Business Sweep Accounts

Non-Profit Accounts Commercial Lending Merchant Services

Special care was used to develop accounts just for our business customers; checking accounts, loans and business sweep accounts. The success of our business customers is very important to us. That is why we are in the business of helping your business grow.

Business Checking Accounts

Business Checking - Designed for business with moderate to high checking activity levels
Free Business Checking - Ideal for sole proprietorships and businesses with limited monthly activity
Business Advantage Checking - A premium account package with additional free banking services designed for businesses with higher checking activity and higher balances
Commercial Checking - Designed for established businesses with moderate to high checking activity levels whose compensating account balances may offset fees

Interest Bearing Accounts

Business Interest Checking - Ideal for sole proprietorships and businesses with limited monthly activity who want to earn interest. Available to non-profit organizations or sole proprietors.
Business Savings - Designed for businesses that have excess funds aside from checking and would like to earn interest, build balances, and maintain liquidity. Available to all non-personal accountholders.
Business Money Market - Ideal for businesses with higher savings balances who would like interest, easy access to funds and limited check writing ability. Available to all non-personal accountholders.

Remote Electronic Deposit (R.E.D.)

Remote Electronic Deposit (R.E.D.) - Allows you to electronically deposit checks into your account from the convenience of your own office. With the system’s software, your electronically deposited check images and amounts are captured, displayed and verified, reducing deposit preparation errors. The system’s image inspection capability means suspect items are automatically detected and repaired.

Business Sweep Accounts

This is also known as our Sweep Account. This allows businesses to earn a higher rate of interest on excess funds that are on deposit.

Non-Profit Accounts

Non-Profit Checking - Ideal for civic organizations, community groups, and non-profit organizations that are eligible for tax exempt status under section 501 of the Internal Revenue Code who have moderate to high checking activity
Free Non-Profit Checking - Ideal for civic organizations, community groups, and non-profit organizations that are eligible for tax exempt status under section 501 of the Internal Revenue Code who have limited monthly checking activity
Non-Profit Interest Checking - Ideal for civic organizations, community groups, and non-profit organizations that are eligible for tax exempt status under section 501 of the Internal Revenue Code who have moderate to high checking activity and want to earn interest. Available to non-profit organizations or sole proprietors.
Non-Profit Interest Savings - Designed for civic organizations, community groups, and non-profit organizations that are eligible for tax exempt status under section 501 of the Internal Revenue who have excess funds aside from checking and would like to earn interest, build balances, and maintain liquidity Available to all non-personal accountholders.
Non-Profit Money Market - Market Ideal for civic organizations, community groups, and non-profit organizations that are eligible for tax exempt status under section 501 of the Internal Revenue with higher savings balances who would like interest, easy access to funds and limited check writing ability. Available to all non-personal accountholders.

Commercial Lending

F&M has two commercial loan officers who work with commercial customers to arrange the best means available for lending money to your company.

Merchant Services

F & M Bank makes available to merchants of all sizes, the ability to accept all forms of payment. In conjunction with Atlantic Merchant Services and Sterling Payment Technologies Inc, the following services are offered at very competitive prices:




• Credit/Debit card processing for Visa®, MasterCard®, American Express®, Discover®, Diner's Club® and JCB.
• Check authorization services.
• Internet Services.
• Electronic Benefits Transfer (Food Stamps, AFDC, etc.).
• Hotel and hospitality packages.

• Quick Serve packages for dining establishments.
• Multiple payment platforms; including automated Telephone voice response system, Web-based virtual terminal, TCP/IP connectivity, and Wireless service.

We can help to increase your sales potential by providing you with the necessary tools to ensure accurate, convenient, and reliable transaction processing. We offer the latest technology and support most existing terminals, including software applications.

With F & M Merchant Services, the setup process is simple and convenient. A representative arrives at your location for contracting, installation, and training.

For more information, please call or visit one of our convenient locations.