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Business Advantage Checking



Business Advantage Checking is the ideal choice for businesses with higher transaction activities. This premium account offers additional free banking services as well as a variety of value-added features.


What you get with F&M Bank’s Business Advantage Checking
Minimum Opening Balance Requirement $100.00 deposit required to open account
Monthly Items Up to 750 combined transactions per month (deposits, items deposited, checks, debits, etc.)

Up to 1,00 combined transactions if balances are $50,000 or higher
Monthly Maintenance Fee $35.00 monthly service fee
To Avoid Monthly Maintenance Fee  

Maintain an average monthly balance of $25,000

F&M Bank Visa® Check Card An F&M Bank Check Card, also known as a debit card, is a card that works like a check only better! When you use your check card to make purchases, the amount is deducted directly from your checking account.
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FREE Online Banking Save time and money by using Online Banking to manage your personal and business finances. Available to you 24 hours a day, 7 days a week from any Internet connection, F&M Bank is always at your fingertips.
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FREE Online Bill Pay Reduce your need for checks, envelopes and stamps with Online Bill Pay. It only takes a few minutes and a click of the mouse to conveniently pay your bills.
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Overdraft protection Available Overdraft protection is available with a Cash Reserve line of credit* or business savings account.
Credit/ Debit Card Processing Set up fee waived No set up fee for F&M Merchant Credit Card Processing Services
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Free Email Alerts Receive account information or customized reminders via email.
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Free E-Statements
(if desired)
Protect yourself, simplify your life and enjoy the convenience of having your bank account statements online and available to you at the click of a mouse.
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Free Mobile Banking Now, it's quick and easy to securely access all of your F&M account information whenever you need it. With F&M Mobile Banking, you can check your account balances, pay bills, transfer funds and monitor your transactions any time, any place, and right from your phone.
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 Free or Discounted Checks Free introductory check package to include checks and deposit slips or receive a $65.00 credit towards your first check purchase
* Subject to credit approval

Business customers also have access to additional services such as business savings, Money Market account(s), Payroll services, cash management services, and business lending solutions.

To learn more about our business checking accounts, contact an F&M team member or stop by any F&M location.