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Commercial Checking
Commercial Checking is the ideal choice for established businesses with moderate to high transaction activity whose compensating balances may off set fees. Enjoy a low minimum opening balance, a low monthly service fee and a variety of value-added features.
| What you get with F&M Bank’s Commercial Checking |
| Minimum Opening Balance Requirement |
$100.00 deposit required to open account |
| Monthly Items |
Credits................................................................... $0.40
Debits.....................................................................$0.40
Items Deposited..................................................$0.10
FDIC Insurance Charge per $1,000................$0.045
Negative Collected Balance Charge.........Prime+2% |
| Monthly Maintenance Fee |
$15.00 |
| To Avoid Monthly Maintenance Fee |
Use your Earnings Credit to offset all service charges |
| 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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| 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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| 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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*
Subject to credit approval
Business customers also have access to additional services such as
business savings,
Money Market account(s),
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.