Business Services

Commercial Business Checking

  • Minimum opening balance $200
  • No minimum balance requirement
  • Free zip bag
  • $8.75/month service fee, $0.15 per debit and $0.08 per deposited check, $2.50 per item charge will be assessed on all return items.
  • No service charge is made to the account during the month unless the credit allowance is insufficient to cover the costs.
  • A credit allowance is made to the account based on the average collected balance less 10% reserve requirements and 3% FDIC and other charges times Farmers and Merchants Bank money market rate of interest which was current on the first banking day of the calendar month.

Small Business Checking

  • Minimum opening balance $200
  • No minimum balance requirement
  • $0.42 per debit over 200 combined total with deposited checks
  • $10 per each return item

NOW Non-Personal Checking

  • Minimum opening balance $1500
  • Earns current FMB Now account Rate* on tiered balance compounded and paid monthly when a daily collected balance of $1,500 is maintained
  • No monthly service fee if minimum balance stated below is maintained
  • Per check fee of $0.25, $12.00 monthly fee if balance falls below $20,000, no interest paid if balance falls below $1,500

*The FMBenefits, FMB Money Market, and FMB NOW account interest rates vary. Please call or come by the FMB location nearest you to get the latest rates and information.

Go To Top