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Business Checking services in Southern California
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Business Checking Account

Opening an F&M business checking account is the first step to experiencing the personalized service and financial solutions of one of the strongest banks in Los Angeles and Orange County. Whether you are a sole proprietor, start-up, or small business, our banking representatives can tailor our services to meet your business needs with a competitive interest or non-interest bearing business checking account. Our analyzed checking account can also help offset or eliminate monthly fees. By analyzing your spending habits, deposits and withdrawals, we can monitor your business checking account activity to help you save money.

You’ll have checks for business transactions, a business debit card, online cash management services, and 23 locations in Southern California, you have access to your account 24/7. You also have the option to go green and receive your account statements and notices electronically. We even offer the flexibility and convenience of an F&M Business Visa card, remote deposit capture, and legacy services such as lockbox payment processing. Isn't it time you put more than 100 years of banking experience to work for your business?

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  • Account Service Pricing – Can be set up as analyzed (service-based) or non-analyzed (balance-based).
  • Business Debit Card – Can be used as a credit transaction or to get cash back with your purchases. Protect your debit card with MasterCard® SecureCode™.
  • Basic online banking or our expanded online cash management service (Visit Tools & Support for more details). [12]
  • Bill Pay – Pay bills electronically in as little as 24 hours using online banking bill pay service. [12]
  • e-Statements – Access account statements through online banking and save or print as needed.
  • e-Notices – Never lose a tax notice again! View any account notice through online banking.
  • Overdraft Protection – Available to qualified organizations from your business savings or credit card.
  • Interest on Business Checking – Interest-bearing accounts are available to all business entities.
  • FDIC Insured

Open a business checking account today or stop by your local F&M Bank office for more information.

Try our Business Checking calculators


All F&M Bank Certificates of Deposit are subject to penalties for early withdrawal.
Money Market accounts are limited to six withdrawals or transfers to another account of yours or to a third party by means of a preauthorized or automatic transfer or telephone order or instruction, computer transfer, or by check, draft, debit card or similar order to a third party. Exceeding these limitations may result in transfer of your account to one that pays no interest. A separate application and agreement are required for an ATM card, Online Banking, and Bill Pay privileges. Other transaction limitations or account fees may apply. Refer to the account agreements for details.
Applications limited to California residents only. Credit card applicant(s) require a personal deposit account relationship with F&M. All credit card programs require credit approval. Full details about these programs are provided when you apply and additional information is provided when you become a cardholder. Coverage is underwritten and administered by companies affiliated with Visa USA Inc. Certain coverage conditions, restrictions, limitations and exclusions apply.
Home equity lines of credit are available for both primary residence and second home locations. The plan has a variable rate feature. The index is the prime rate as published in the Wall Street Journal with a minimum floor rate of 4.750%. Maximum combined loan to value is 55.00% with line amounts available up to $500,000. All loans require credit approval. Terms and conditions may vary. Consult your tax advisor regarding deductibility of interest.
All loans require credit approval. Terms and conditions may vary.
Please be advised that without the loan number and signature, there may be a delay in processing your request.
All loans require a separate application and credit approval.
Business interest on checking accounts is available to sole proprietors and non-profit entities only. Other transaction or account fees may apply. Refer to the account agreements for details.
Savings accounts are limited to six pre-arranged withdrawals per statement cycle. Other transaction limitations or account fees may apply. Refer to the account agreements for details.
Credit card applicant(s) require a business deposit account relationship with F&M.  All credit card programs require credit approval.  Full program details are provided when you apply and additional information is provided when you become a cardholder. Coverage is underwritten and administered by companies affiliated with Visa USA Inc. Certain coverage conditions, restrictions, limitations and exclusions apply.
All loans are subject to credit approval.
Online Banking requires a Business Checking account. A separate application and agreement are required for Online Banking, Cash Management Services, or Bill Pay privileges. Other transaction or account fees may apply. Refer to the account agreements for details.
Savings accounts are limited to six pre-arranged withdrawals per statement cycle. A separate application and agreement are required for Online Banking and Bill Pay privileges. Transactions initiated between the hours of 3:00 PM and 12:00 AM PST on weekends or holidays will be processed the next business day. Other transaction limitations or account fees may apply. Refer to the account agreements for details.
Online Banking requires a Business or Personal account with F&M Bank. A separate application and agreement are required for Online Banking, Cash Management, and Bill Pay services. Transfers between accounts will be processed immediately if requested by 6pm. All other transactions initiated between the hours of 3:00 PM and 12:00 AM PST on weekends or holidays will be processed the next business day. Other transaction limitations or account fees may apply. Refer to the account agreements for details.
Some exclusions may apply.
The following Privacy Notice applies to Farmers & Merchants Bank customers only.
Since email is not a secure method of communication, please do not send any sensitive information (e.g. Social Security or account numbers) via email. If you need to include sensitive information in your communication to us, please contact us by phone.
Subject to credit approval, certain restrictions and limitations may apply.
No Closing Costs to the consumer for lines of $250,000.00 or less on refinance transactions. Loan amounts over $250,000.00 and all purchase transactions, third party or related origination costs to be paid by Borrower.