All F&M Bank Business Checking accounts include:

  • F&M Mastercard Business Debit Card1 with Mobile Wallet
  • Free Debit Card Alerts2
  • Cash Management Services
  • Free Bill Pay
  • Free Mobile Check Deposit2
  • Free eStatements & eNotices
  • Combined Monthly Statements
  • Check Images Included with Monthly Statement
  • Unlimited Check Writing
Comparison Table for Business Checking
Fees and Services Business Checking
Non-Analyzed 3
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Business Checking
Plus3
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Business Checking
Analyzed
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Business Interest
on Checking3
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Minimum Opening Balance  $200 $200  $200  $200
Account Fees  $20 Minimum Balance Fee Per Month Applies if the Balance in the Account Falls Below $5,000 Any Day of the Statement Cycle.

A Per Check/Withdrawal Fee of $0.40 for Each Debit Transaction (Withdrawal, Check, Automatic Transfer or Payment) will be Imposed after the First 300 Debit Transactions, Per Statement Cycle
 A Minimum Balance Fee of $35 Will be Imposed Every Month if the Average Daily Balance for the Statement Cycle Falls Below $35,000.

A $0.40 Debit Transaction Fee for Each Debit Transaction (Withdrawal, Checks, or Drafts) will be Imposed After the First 400 Debit Transactions, Per Statement Cycle
$25 Maintenance Fee Per Month Applies for All Accounts Under the Same Analyzed Group in Addition to Service Fees According to the Account Analysis Schedule of Fees Provided at Account Opening $25 Minimum Balance Fee Per Month Applies if the Balance in the Account Falls Below $6,000 Any Day of the Statement Cycle

A Per Check/Withdrawal Fee of $0.40 for Each Debit Transaction (Withdrawal, Check, Automatic Transfer or Payment) will be Imposed after the First 300 Debit Transactions, Per Statement Cycle
A $3 Paper Statement Fee is Assessed for Each Paper Statement Mailed Unless You Enroll in eStatements  Checkmark  Checkmark  Checkmark  Checkmark
Earnings Service Credit can Offset Accumulated Expenses Associated with Bank Services, Account Transactions and Currency Fees      Checkmark  
$20 Early Closure Fee Applies if the Account is Closed Within 90 Days of the Opening Date  Checkmark  Checkmark  Checkmark  Checkmark
Interest Bearing Account
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Competitive Variable Interest Rate; Interest Accrues Daily and is Credited to the Account Monthly
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Free F&M Online &
Mobile Banking
 Checkmark Access for 3 Users  Checkmark  Checkmark
$20,000 Currency
Provided/Deposited4
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Free Online Tax Payments
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2 Free Outgoing Domestic
Online Banking
Wires - eNotice
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100 ACH Debit/Credit
Originations
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15 Mobile Remote Deposit
Capture (mRDC) Transactions2
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  Business Checking
Non-Analyzed3
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Business Checking
Plus3
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Business Checking
Analyzed
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Business Interest on Checking3
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Some account features and benefits may be subject to separate application, agreement, fees, and/or approval. Terms, Conditions and Limitations may apply. Account features and benefits are subject to change with or without notice. For additional details, please refer to Services & Fees located at fmb.com/fees, or the agreement and disclosures provided at the time of account opening, or ask our office staff.

  • 1Other financial institutions and ATM operators may charge an additional surcharge fee for use of their ATM, which is disclosed and debited at the time of your transactions.
  • 2F&M Bank does not charge for this service, however, your wireless carrier may charge you fees related to this service.
  • 3An account originally opened as non-analyzed may be subsequently analyzed at the Bank's discretion and service charged accordingly.
  • 4Rolled and bagged coin not included.